| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $18K | $34K | $51K | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $5K | $18K | $23K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.01% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | AETNA LIFE INSURANCE COMPANY | -$8K | — | -$8K | -0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | TRANSAMERICA | $20K | — | $20K | 23.74% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 1150 CLEAR LAKE CITY BOULEVARD SUITE 201 HOUSTON, TX 77062 | TRANSAMERICA | $3K | — | $3K | 3.78% |
| ROY F. ANDING JR.3 | 866 WESTSHORE COURT LEAGUE CITY, TX 77573 | TRANSAMERICA | $2K | — | $2K | 2.07% |
| INSUREONE CORPORTE BENEFITS INC.3 | 440 BENMAR, SUITE 1275 HOUSTON, TX 77060 | TRANSAMERICA | $509 | — | $509 | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | EYEMED VISION CARE | $1K | — | $1K | 10.71% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES | 1050 WELCREST HOUSTON, TX 77042 | EYEMED VISION CARE | $567 | — | $567 | 4.96% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 214 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 214 | $1.1M |
| Vision | EYEMED VISION CARE | 200 | $11K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 619 | $1.2M |
| Short-term disability | TRANSAMERICA | 619 | $86K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 214 | $1.1M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 214 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 619 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.