| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY SUITE 200B AUSTIN, TX 78746 | BLUECROSS BLUESHIELD OF TEXAS | $146K | $0 | $146K | 4.89% |
| RAREFIED ATMOSPHERE INC.5 | 2043 S. LAMAR BLVD. FOURTH FLOOR AUSTIN, TX 78704 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $21 | $21 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 N. CAPITAL OF TEXAS HWY BUILDING B, STE 200 AUSTIN, TX 787463314 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $59 | $13K | 13.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD STE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 484 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 484 | $3.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 289 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $99K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.