| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 17220 KATY FREEWAY, STE. 350 HOUSTON, TX 770941485 | BLUE CROSS BLUE SHIELD OF TEXAS | $3.6M | $103 | $3.6M | 4.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS HOUSTON LLC | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 770565306 | BLUE CROSS BLUE SHIELD OF TEXAS | $890K | $103 | $890K | 1.07% |
| G&A OUTSOURCING DBA G&A PARTNERS3 | 17220 KATY FREEWAY SUITE 300 HOUSTON, TX 770941485 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $105 | $105 | 0.00% |
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 | 10,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 19,160 | $83.3M |
| Vision | BLUE CROSS BLUE SHIELD OF TEXAS | 19,160 | $83.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,160 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.