| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S SUITE 1600 HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $176 | $176 | 0.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $166 | $166 | 0.45% |
| MICHAEL J COVAULT4 | 522 EMORY PEAK DR. RICHMOND, TX 77469 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 11.51% |
| SANDRA BOYETT4 | PO BOX 605 DICKINSON, TX 77539 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $86 | — | $86 | 0.64% |
| MARK E SULLIVAN4 Filed as: MARK E. SULLIVAN | 9211 FOREST CREEK DR. TOMBALL, TX 77375 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $86 | — | $86 | 0.64% |
| GREGORY A BARONE4 | 130 CLEAR WATER ST. W MONTGOMERY, TX 77356 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $72 | — | $72 | 0.54% |
| LUCY MORENO4 | 501 E STASSNEY LN. APT 327 AUSTIN, TX 78745 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $63 | — | $63 | 0.47% |
| RONALD L GOTTLIEB4 | 8840 SNOWY OWL LOOP MISSOURI CITY, TX 77459 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 0.25% |
| DAVID R JEZIERSKI4 | 23726 AYSCOUGH LN. KATY, TX 77493 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $26 | — | $26 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST ST. ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - HOUSTON | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.48% |
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 | 2,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,796 | $514K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,489 | $1.0M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $4K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,607 | $764K |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,627 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,627 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.