| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 28.24% |
| WESTON BRYAN3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 16.24% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.74% |
| WESTON BRYAN3 | 4816 ALLENCREST LANE DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.54% |
| JILL P. WATSON3 Filed as: JILL PATRICE WATSON | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 6.97% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 6.83% |
| REED HEADLEY SCHNITTKER3 Filed as: REED SCHNITTKER | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | PETERSEN INTERNATIONAL UNDERWRITERS | $1K | $0 | $1K | 9.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | PETERSEN INTERNATIONAL UNDERWRITERS | $1K | $0 | $1K | 9.53% |
| WESTON BRYAN3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | PETERSEN INTERNATIONAL UNDERWRITERS | $907 | $0 | $907 | 6.67% |
| SOUTHWEST DI BROKERAGE, INC.3 | 6424 KLAMATH ROAD FORT WORTH, TX 76116 | PETERSEN INTERNATIONAL UNDERWRITERS | $389 | $0 | $389 | 2.86% |
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 | 557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,348 | $92K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 938 | $651K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 938 | $651K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 938 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,348 | — |
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.