| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF TEXAS | $5K | — | $5K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF TEXAS | $2K | — | $2K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE | — | $9K | $9K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.71% |
| LOUIE ALMANZA3 | 4171 N. MESA ST., SUITE A102 EL PASO, TX 79902 | AFLAC | $859 | — | $859 | 4.16% |
| LISA A ALMANZA3 | 4171 N. MESA ST., SUITE A102 EL PASO, TX 79902 | AFLAC | $674 | — | $674 | 3.26% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD W, STE 620 EL PASO, TX 79925 | AFLAC | $337 | — | $337 | 1.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | AFLAC | $208 | — | $208 | 1.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | AFLAC | $113 | — | $113 | 0.55% |
| TRACY L MURILLO3 | 5959 GATEWAY BLVD W, STE 620 EL PASO, TX 79925 | AFLAC | $83 | — | $83 | 0.40% |
| STEVEN WHITTEN3 | 7606 UNIVERSITY AVE, STE D LUBBOCK, TX 79423 | AFLAC | $43 | — | $43 | 0.21% |
| KAREN LYNN GRACZYK3 | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $13 | — | $13 | 0.06% |
| JEREMY CONGO3 | 20315 PALOMAR POINTE DR CYPRESS, TX 77433 | AFLAC | $9 | — | $9 | 0.04% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $9 | — | $9 | 0.04% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $9 | — | $9 | 0.04% |
| JASON MARONEY3 | PO BOX 841 INGRAM, TX 78025 | AFLAC | $9 | — | $9 | 0.04% |
| ANGELA R DAVIS3 | 4025 GILDAS PATH PFLUGERVILLE, TX 78660 | AFLAC | $9 | — | $9 | 0.04% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $8 | — | $8 | 0.04% |
| ERIC J LEGER3 | 623 E. 7TH 1/2 ST HOUSTON, TX 77007 | AFLAC | $7 | — | $7 | 0.03% |
| VERNON P HERRERA3 | 120 VALLE SERENO SANTA FE, NM 87506 | AFLAC | $5 | — | $5 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $4 | — | $4 | 0.02% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD LUBBOCK, TX 79407 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID HANCOCK INC3 | PO BOX 423 LAVON, TX 75166 | AFLAC | $2 | — | $2 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 531 | $3.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 531 | $3.8M |
| Vision | EYEMED VISION CARE | 540 | $28K |
| Life insurance | DEARBORN LIFE INSURANCE | 0 | $298K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $77K |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 531 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.