| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $17K | $17K | 0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCUTARY PKWY STE 300 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $34K | $0 | $34K | 7.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.63% |
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 | 1,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 75 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,198 | $9.7M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,198 | $9.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,061 | $58K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,919 | $469K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,919 | $469K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,919 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,198 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.