| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IA 60654 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $8K | $8K | 0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.44% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.27% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LN SUITE 110 AUSTIN, TX 78759 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.25% |
| KACY LAVENDER4 Filed as: KACY K LAVENDER | 307 SPRING CRK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 25.12% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $159 | — | $159 | 1.61% |
| EMILY J NEAL4 | 4495 VIRGINIA CV OLIVE BRANCH, MS 38654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | — | $67 | 0.68% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $58 | — | $58 | 0.59% |
| GIANNA RICHARDS4 | 4602 COACHMAN DR BAYTOWN, TX 77521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | — | $34 | 0.34% |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,036 | $3.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,252 | $446K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,252 | $446K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,252 | $446K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,252 | $446K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,252 | $446K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,252 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,252 | — |
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.