| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $181K | — | $181K | 2.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF TEXAS | $154K | — | $154K | 2.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 9.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER RD. SUITE 900 HOUSTON, TX 770565306 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. IRVINE | 17875 VON KARMAN SUITE 300 IRVINE, CA 92614 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $752 | — | $752 | 6.72% |
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 | 2,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,282 | $6.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 1,282 | $6.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 934 | $78K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,518 | $118K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 717 | $156K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,282 | $6.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 351 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,518 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.