| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | BLUE CROSS BLUE SHIELD OF TEXAS | $46K | $3K | $49K | 2.68% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | BLUE CROSS BLUE SHIELD OF TEXAS | $43K | $0 | $43K | 2.32% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | $593 | $8K | 5.72% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | $0 | $7K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $446 | $5K | 8.79% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.04% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $260 | $3K | 8.82% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.01% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | LINCOLN NATIONAL LIFE INSURANCE COPMANY | $2K | $258 | $3K | 8.84% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | LINCOLN NATIONAL LIFE INSURANCE COPMANY | $2K | $0 | $2K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.76% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.43% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | EYEMED | $178 | $0 | $178 | 1.81% |
| RACHEL WINGFIELD Filed as: RACHEL MEANS | P.O.BOX 7557 TYLER, TX 75711 | EYEMED | — | $0 | $0 | 0.00% |
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 | 183 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 444 | $1.8M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE CO | 178 | $146K |
| Vision | EYEMED | 0 | $10K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $75K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COPMANY | 188 | $31K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.