| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | BLUECROSS BLUESHIELD OF TEXAS | — | $66K | $66K | 7.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 NORTH AKARD STREET STE 4300 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $41K | — | $41K | 4.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 500 N AKARD ST STE 4300 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $52K | — | $52K | 10.40% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 2885 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 500 N AKARD ST STE 4300 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 10.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | RELIASTAR LIFE INSURANCE COMPANY | $45K | — | $45K | 23.53% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $15K | — | $15K | 8.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 NORTH AKARD STREET STE 4300 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 500 N AKARD ST STE 4300 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.26% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $229 | $229 | 0.45% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 26.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 17.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 500 N AKARD ST STE 4300 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $468 | — | $468 | 1.34% |
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 | 5,766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 2,481 | $909K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,497 | $181K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,799 | $500K |
| Short-term disability | STANDARD INSURANCE COMPANY | 78 | $51K |
| Long-term disability | STANDARD INSURANCE COMPANY | 320 | $276K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,799 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,799 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.