| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 17347 VILLAGE GREEN, SUITE 111 JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $5K | $12K | 12.21% |
| HRO BENEFIT ADVISORS LLC5 Filed as: HRO BENEFIT ADVISORS | 17347 VILLAGE GREEN, SUITE 111 JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 12.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.58% |
| HRO BENEFIT ADVISORS LLC5 Filed as: HRO BENEFIT ADVISORS | 17347 VILLAGE GREEN, SUITE 111 JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 12.10% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 17347 VILLAGE GREEN, SUITE 111 JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.46% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 17347 VILLAGE GREEN, SUITE 111 HOUSTON, TX 77040 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 25.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3699 NORTH CAOUTAK IF TEXAS HWY B SUITE 1 AUSTIN, TX 78746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 16.40% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 17347 VILLAGE GREEN, SUITE 111 HOUSTON, TX 77040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TX HWY BUILDING B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $714 | $36 | $750 | 5.31% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 327 | $34K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 327 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $87K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.