| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 5444 WESTHEIMER RD STE 800 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $92K | — | $92K | 4.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TEXAS | $9K | $2K | $11K | 0.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY #B-200 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PL CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY #B-200 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PL CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY #B-200 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PL CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSONSOUTHEAST, INC | 265 BROOKVIEW CENTER WAY STE 505 KNOXVILLE, TN 37919 | DEARBORN LIFE INSURANCE COMPANY | $512 | — | $512 | 1.85% |
| WILLIS TOWERS WATSON US LLC3 | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | — | $178 | $178 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFEWORKS US INC. EIN 81-1114266 OTHER FEES | Other fees Service code 99 | 201 17TH ST NW SUITE 630 ATLANTA, GA 30363 | $652 |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 316 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 316 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 175 | $28K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $50K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $90K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $73K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.