| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $41K | — | $41K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $27K | $55K | 3.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSWIFT EIN 36-4391310 NONE | Contract Administrator Service code 13 | — | $257K |
| ALIGHT EIN 82-1061233 NONE | Contract Administrator Service code 13 | — | $248K |
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Contract Administrator Service code 13 | — | $175K |
| DELTA DENTAL EIN 94-2761537 NONE | Contract Administrator Service code 13 | — | $129K |
| MCCONNELL & JONES LLP EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $54K |
| CALLAN LLC EIN 94-2192581 NONE | Investment advisory (plan) Service code 27 | — | $33K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $18K |
| CENTERPOINT ENERGY EIN 74-0694415 PLAN SPONSOR | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $15K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $12K |
| CAREMARK EIN 75-2882129 NONE | Contract Administrator Service code 13 | — | $8K |
| THE TALANCE GROUP EIN 26-1775982 NONE | Accounting (including auditing) Service code 10 | — | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,322 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 4,922 | $5.6M |
| Vision | VISION SERVICE PLAN | 2,848 | $443K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,602 | $1.4M |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 4,922 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,922 | — |
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."
No prospect flags tripped on this filing.