| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LBJ FWY TWO LINCOLN CENTRE DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | — | $27K | 6.53% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 5850 GRANITE PKWY PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 3.66% |
| NANCY JO HILL3 | 5420 LBJ FWY STE 400 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5240 LBJ FRWY STE 400 DALLAS, TX 75240 | HUMANA INSURANCE COMPANY | $23K | — | $23K | 5.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 2.49% |
| NANCY JO HILL3 | 2929 CARLISLE ST SUITE 155 DALLAS, TX 752041084 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 1.68% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS DBA PREPARE BENEFITS | 618 E SOUTH ST STE 500 ORLANDO, FL 328012986 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 8.62% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 5.03% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $8K | $3K | $11K | 13.60% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 18.65% |
| WORLD CLASS FINL SVS LLC3 | 20403 I-45 NORTH SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.90% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 494 | $401K |
| Vision | HUMANA INSURANCE COMPANY | 494 | $401K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,660 | $418K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,660 | $418K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,660 | $418K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,660 | $702K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,660 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.