| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $48K | $2K | $50K | 4.88% |
| SUMMIT CAPITAL PARTNERS-RETAIL SVCS3 | 5555 SAN FELIPE, SUITE 1135 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | — | $0 | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $836 | $3K | 20.15% |
| G&A PARTNERS5 | 17220 KATY FREEWAY, SUITE 350 HOUSTON, TX 77094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $704 | $2K | 14.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $595 | $2K | 21.50% |
| G&A PARTNERS5 | 17220 KATY FREEWAY, SUITE 350 HOUSTON, TX 77094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $915 | $915 | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $719 | $288 | $1K | 21.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $497 | $176 | $673 | 20.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $312 | — | $312 | 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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 145 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 145 | $1.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 99 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $16K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 145 | $1.0M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
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.