| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 4350 W CYPRESS TAMPA, FL 33607 | HUMANA HEALTH PLAN OF TEXAS, INC. | $126K | $0 | $126K | 2.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HUMANA HEALTH PLAN OF TEXAS, INC. | $10K | $0 | $10K | 0.23% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLAN OF TEXAS, INC. | -$7K | $3K | -$4K | -0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $3K | $46K | 10.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 ST MARY'S SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $10K | $14K | 3.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 2.89% |
| MULITIPLE BROKERS3 | — | AFLAC | $22K | $2K | $24K | 22.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 70 NE LOOP 410 #325 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $55K | $0 | $55K | 63.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2056 VISTA PKWY SUITE 300 WEST PALM, FL 33411 | METLIFE LEGAL PLANS, INC. | $1K | $159 | $1K | 7.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS, INC. | $319 | $142 | $461 | 2.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS, INC. | $314 | $20 | $334 | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | $0 | $2K | 15.41% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | $0 | $2K | 13.35% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $235 | $0 | $235 | 1.67% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $38 | $0 | $38 | 0.27% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 197 | $4.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $450K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $450K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $450K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $450K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $450K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.