| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP STREET SOUTH SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $24K | $116 | $24K | 5.89% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $24K | $29 | $24K | 5.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S, SUITE 16900 HOUSTON, TX 77027 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 6.90% |
| THE HOTALING GROUP3 | 125 PARK AVENUE NEW YORK, NY 10017 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST BOULEVARD, 1-B ODESSA DALLAS, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $0 | $51K | 65.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $4K | $0 | $4K | 5.86% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.14% |
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 | 731 | 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) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | 546 | $297K |
| Vision | VISION SERVICE PLAN | 489 | $74K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 832 | $414K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 832 | $414K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 832 | $414K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 832 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.