| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $169K | $26K | $195K | 5.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $11K | $55K | 15.45% |
| ENROLLEASE3 | 660 YORK STREET SAM FRAMCISCP, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 12.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 14309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $23K | — | $23K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $4K | $26K | 16.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 17.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 12.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | $13 | $280 | 10.47% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 640 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $358K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $358K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $80K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 640 | $3.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.