| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | BLUE CROSS BLUE SHIELD OF TEXAS | $77K | $9K | $86K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $68K | $28K | $95K | 16.26% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 20.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.99% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STATEGIC GROUP OF TX | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $23 | $3K | 2.85% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY, INC. | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $829 | $829 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | SUPERIOR VISION OF TEXAS | $5K | — | $5K | 11.68% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | SUPERIOR VISION OF TEXAS | $467 | — | $467 | 0.99% |
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 | 634 | 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) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 890 | $4.4M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 890 | $4.4M |
| Vision | SUPERIOR VISION OF TEXAS | 928 | $47K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 634 | $587K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 634 | $587K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 634 | $587K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 890 | $4.4M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 634 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.