| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $87K | $1K | $88K | 8.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUE SHIELD OF TEXAS | — | $38K | $38K | 8.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TN 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 42.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | METLIFE LEGAL PLANS | $1K | — | $1K | 8.49% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GALILEA MEDICAL GROUP, PA | 509 | $34K |
| Dental | BLUECROSS BLUE SHIELD OF TEXAS | 1,063 | $423K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 996 | $74K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 738 | $1.0M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 738 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 738 | $1.1M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 869 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.