| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $160K | $17K | $177K | 1.19% |
| AMERIVET VETERINARY PARTS, LLC3 | 8610 N NEW BRAUNFELS AVE SUITE 500 SAN ANTONIO, TX 78217 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $17 | $17 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $19K | $59K | 15.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $11K | $45K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $25K | 20.00% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | UNUM INSURANCE COMPANY | $75K | — | $75K | 63.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $22K | $2K | $24K | 20.64% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | UNUM INSURANCE COMPANY | $48K | — | $48K | 44.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $21K | $2K | $22K | 20.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $10K | $3K | $12K | 12.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | — | $4K | 5.24% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | UNUM INSURANCE COMPANY | $34K | — | $34K | 44.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $15K | $1K | $16K | 20.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 8.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 18.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 5.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 10.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 3565 PIEDMONT RD BLDG 1 STE 600 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 7.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $2K | $7K | 20.00% |
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 | 1,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 2,133 | $15.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 2,133 | $14.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,359 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,717 | $127K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $452K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 582 | $597K |
| Prescription drug(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 2,133 | $15.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,717 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,717 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.