| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: CL SCOTT CORPORATE INS. SVCS. LLC | 3600 NORTH CAPITAL OF TEXAS HWY SUITE 200 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | $1 | $3K | 0.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HWY SUITE 200 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $9 | $9 | 0.00% |
| REPUBLIC PLASTICS LTD.0 Filed as: REPUBLIC PLASTICS, LTD | 355 SCHUMANN RD MCQUEENEY, TX 781233260 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.53% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST STE 400 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $3K | $3K | 4.60% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 573 | $1.9M |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF TEXAS | 573 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 388 | $207K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 388 | $207K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 388 | $207K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 388 | $207K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 388 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.