| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY SUITE B200 AUSTIN, TX 787463210 | BLUE CROSS BLUE SHIELD OF TEXAS | $27K | $0 | $27K | 6.65% |
| N-GAGE LLC3 | 22385 MISTY FALLS CIR FRANKFORT, IL 60423 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HWY BLDG B, SUITE 200 AUSTIN, TX 78746 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $280 | $2K | 3.68% |
| N-GAGE LLC3 | 22385 MISTY FALLS CIR FRANKFORT, IL 60423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 44.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 19.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $220 | $220 | 1.70% |
| N-GAGE LLC3 | 22385 MISTY FALLS CIR FRANKFORT, IL 60423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $538 | $0 | $538 | 14.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | $23 | $254 | 6.70% |
| N-GAGE LLC3 | 22385 MISTY FALLS CIR FRANKFORT, IL 60423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $297 | $0 | $297 | 13.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY BLDG B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $127 | $13 | $140 | 6.24% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 128 | $409K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 78 | $47K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 78 | $47K |
| Life insurance(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 128 | $415K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.