| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INS CO | $7K | — | $7K | 43.41% |
| INTERMEDIARY SOLUTIONS COMPANY4 Filed as: INTERMEDIARY SOLUTIONS CO | 1110 COGBURN CT SHADY SHORES, TX 76208 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $821 | — | $821 | 21.36% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF TEXAS | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $317 | — | $317 | 8.25% |
| DIVERSIFIED INSURANCE GROUP4 Filed as: DIVERSIFIED INS GROUP | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $25 | — | $25 | 0.65% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 403 | $1.9M |
| Dental | BLUE CROSS OF CALIFORNIA | 403 | $1.9M |
| Vision | ANTHEM BLUCE CROSS | 177 | $59K |
| Life insurance | ANTHEM BLUCE CROSS | 177 | $59K |
| Short-term disability | ANTHEM BLUCE CROSS | 177 | $59K |
| Long-term disability | ANTHEM BLUCE CROSS | 177 | $59K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INS CO | 36 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.