| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 5444 WESTHEIMER RD. SUITE 900 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $5K | $5K | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD. SUITE 900 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 3.91% |
| LINCOLN FINANCIAL SECURITIES CORP | GRANITE PL CONCORD, NH 033013258 | METROPOLITAN LIFE INSURANCE | $3K | — | $3K | 3.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 707 B SR FL 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER RD. SUITE 900 HOUSTON, TX 77056 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,197 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 491 | $300K |
| Vision | VISION SERVICE PLAN | 474 | $65K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 549 | $343K |
| Other | FEDERAL INSURANCE COMPANY | 54 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,197 | — |
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."
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.