| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 731739 DALLAS, TX 75373 | BLUECROSS BLUESHIELD OF TEXAS | $92K | — | $92K | 2.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 15305 N DALLAS PKWY STE 1100 COLONNADE III ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $28K | 10.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 15305 N DALLAS PKWY SUITE 1100 ADDISON, TX 75001 | AETNA LIFE INSURANCE CO. | $16K | $1K | $17K | 10.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 731739 DALLAS, TX 75373 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 481 | $3.2M |
| Dental | AETNA LIFE INSURANCE CO. | 542 | $160K |
| Vision | VISION SERVICE PLAN | 294 | $36K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $256K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $256K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $256K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.