| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | STE 500 920 MEMORIAL CITY WAY HUSTON, TX 77024 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $126K | — | $126K | 10.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.18% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IA 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $346 | $346 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD ST SUITE 4300 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | — | $20K | $20K | 2.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 500 N AKARD ST SUITE 4300 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | — | $5K | $5K | 2.17% |
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 | 1,621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,825 | $823K |
| Vision | BLUECROSS BLUESHIELD OF TEXAS | 1,321 | $208K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,601 | $1.2M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,601 | $1.2M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,601 | $1.2M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,601 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,825 | — |
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.