| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC | 920 MEMORIAL CITY WAY STE 5000 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $67K | — | $67K | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY #5000 HOUTSON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.45% |
| ALDAMERE VENTURES INC3 Filed as: ALDAMERE VENTRUES INC | UNKNOWN CYPRESS, TX 77429 | SUNLIFE AND HEALTH INSURANCE CO (US) | $6K | — | $6K | 14.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 N DALLAS PKWY SUITE 1100 ADDISON, TX 75001 | AETNA LIFE INSURANCE CO | $2K | $49 | $2K | 24.67% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB ROGAL & HOBBS OF HOUSTON INC | PO BOX 676870 DALLAS, TX 75267 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $424 | — | $424 | 5.49% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 214 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $82K |
| Vision | AETNA LIFE INSURANCE CO | 0 | $8K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE CO (US) | 54 | $41K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $82K |
| Other | UNICARE LIFE & HEALTH INSURANCE COMPANY | 173 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.