| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | — | $52K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 W LOOP S STE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE CO. | $26K | $4K | $30K | 18.75% |
| PATRICIA A. BOLLI4 Filed as: PATRICIA A BOLLI | PO BOX 603 BURWELL, NE 68823 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 10.41% |
| DEANNE LYLES4 | 11230 CEDAR DR MABANK, TX 75156 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.21% |
| PERRI R PARKER4 | APT 105 1405 SHANNAN CIR GRANBURY, TX 76048 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $217 | — | $217 | 1.22% |
| MAKS BENEFITS GROUP LLC4 | 3201 DURANGO DR PEARLAND, TX 77581 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $168 | — | $168 | 0.94% |
| RODNEY C THOMAS4 | 2 CANE MILL PL SPRING, TX 77382 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.12% |
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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 1,342 | $160K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 616 | $348K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 616 | $348K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,342 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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.
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.