| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 800 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $14K | $0 | $14K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 540 WEST MADISON STREET, SUITE 1200 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF TEXAS | $7K | $6K | $13K | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 350 CONSHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 301598 DALLAS, TX 75303 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.38% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $99 | $99 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAIISANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 540 WEST MADISON STREET, SUITE 1200 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.38% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,100 | $5.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,100 | $5.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 441 | $77K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $300K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $300K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $300K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,100 | $5.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.