| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $117K | $15 | $117K | 5.11% |
| US CAPITAL MANAGEMENT, LLC3 | 4444 WESTHEIMER ROAD SUITE G500 HOUSTON, TX 770274444 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $22K | 22.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 18.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $805 | $6K | 22.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $668 | $5K | 22.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $531 | $19 | $550 | 20.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $366 | $89 | $455 | 18.65% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 254 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 254 | $2.3M |
| Vision | BLUE CROSS BLUE SHIELD OF TEXAS | 254 | $2.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $96K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 254 | $2.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.