| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $11K | 8.07% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 17TH FL NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 4.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | EYEMED VISION CARE | $1K | — | $1K | 8.29% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 17TH FL NEW YORK, NY 10005 | EYEMED VISION CARE | $508 | — | $508 | 3.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.36% |
| REUBERN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $475 | — | $475 | 20.00% |
| CRYSTAL IBC LLC3 | 2000 WEST LOOP SOUTH, STE 1800 HOUSTON, TX 77027 | FEDERAL INSURANCE COMPANY | $356 | — | $356 | 14.99% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $131K |
| Vision | EYEMED VISION CARE | 185 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $41K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.