| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 200 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $38K | $0 | $38K | 10.01% |
| INGURAN LLC3 | 22575 STATE HIGHWAY 6 SOUTH NAVASOTA, TX 77868 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $27 | $27 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $24K | $9K | $33K | 22.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.98% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 5729 LEBANON ROAD SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 33.68% |
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 | 797 | 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) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 942 | $378K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 455 | $49K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 797 | $145K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 797 | $145K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 797 | $145K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 797 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 942 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.