| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P O BOX 983 HOUSTON, TX 770010983 | BLUE CROSS BLUE SHIELD OF TEXAS | $42K | — | $42K | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA TX | 24 GREENWAY PLAZA 1100 HOUSTON, TX 77046 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $28K | $284 | $28K | 14.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 753203381 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $16K | — | $16K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $592 | $592 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 753203381 | VISION SERVICE PLAN | $1K | — | $1K | 4.63% |
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 | 474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 474 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE CO | 265 | $163K |
| Vision | VISION SERVICE PLAN | 142 | $31K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 347 | $197K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 347 | $197K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 347 | $197K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 347 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
No prospect flags tripped on this filing.