| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $76K | $31 | $76K | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUECROSS BLUESHIELD OF TEXAS | $26K | $9K | $35K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, IL 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $54 | $4K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, IL 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $33 | $1K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $359 | $359 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWN CENTRE DRIVE SAN DIEGO, CA 92122 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $346 | $1K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWN CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $2K | $379 | $2K | 12.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $933 | $0 | $933 | 5.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $78 | $78 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITEDHEALTHCARE INSURANCE COMPANY | $962 | $385 | $1K | 9.38% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 318 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 439 | $117K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $77K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $77K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $77K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 318 | $1.9M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 209 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.