| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA | — | BLUE CROSS BLUE SHIELD OF TEXAS | $50K | $1K | $51K | 5.01% |
| RISK SERVICES OF LOUISIANA INC3 | 2190 NORTH LOOP WEST SUITE 309 HOUSTON, TX 77018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 13.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY SUITE 500 HOUSTON, TX 77024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $31 | $5K | 10.64% |
| RISK SERVICES OF LOUISIANA INC3 | 2180 NORTH LOOP W WEST SUITE 140 HOUSTON, TX 77018 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $868 | $868 | 1.90% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 246 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $46K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $87K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $87K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $87K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.