| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED INS SERVICES AND AGENCY IN3 Filed as: ADVANCED INS SERVICES & AGENCY INC | 633 E FERNHURST DR STE 1004 KATY, TX 774501587 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | $0 | $75K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR STE 1000 DALLAS, TX 752511200 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 2.49% |
| ADVANCED INS SERVICES AND AGENCY IN3 Filed as: ADVANCED INSURANCE SVCS INC | 633 E FURNHURST DR #1003-1004 KATY, TX 77450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BX 3009 ARLINGTON HEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.08% |
| ADVANCED INS SERVICES AND AGENCY IN3 Filed as: ADVANCED INS SERVICES & AGENCY INC | 633 E FERNHURST DR STE 1004 KATY, TX 774501587 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR STE 1000 DALLAS, TX 752511200 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.90% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $115K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.