| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $87K | $26 | $87K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 CAPITAL OF TEXAS HIGHWAY NORTH AUSTIN, TX 78750 | BLUECROSS BLUESHIELD OF TEXAS | $36K | $12K | $48K | 2.29% |
| JOINT PARACHUTE, LLC3 | 811 BARTON SPRINGS, SUITE 510 AUSTIN, TX 78704 | BLUECROSS BLUESHIELD OF TEXAS | $7K | $3 | $7K | 0.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.20% |
| BENEFITSCAPE5 | 34 MAIN STREET, SUITE 2 NATICK, MA 01760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.80% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 441 | $2.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $143K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 441 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.