| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 811 LOUISIANA ST STE 2200 HOUSTON, TX 77002 | BLUE CROSS BLUE SHIELD OF TEXAS | $47K | $2K | $49K | 4.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 811 LOUISIANA ST STE 2200 HOUSTON, TX 77002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 920 MEMORIAL CITY WAY #5000 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 731739 DALLAS, TX 75373 | THE GUARDIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.81% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 173 | $1000K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 115 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 115 | $58K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 173 | $1000K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.