| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $9K | $64K | $73K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE SUGAR LAND, TX 77478 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 2.48% |
| L H WHITAKER ENTERPRISES INC3 Filed as: L.H. WHITAKER ENTERPRISES, INC. | 9044 BROWNING STREET CHAPPELL HILL, TX 77426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $887 | $44 | $931 | 1.67% |
| INSGROUP INC3 Filed as: SALAZAR INS. GROUP AND OTHER AGENTS | 611 EAST LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $691 | $92 | $783 | 1.40% |
| B T WILKING INC3 Filed as: BT WILKING, INC. | 18700 PALM BEACH BOULEVARD MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $32 | $319 | 0.57% |
| SA GENERAL AGENCY INC3 Filed as: S.A. GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $45 | $287 | 0.51% |
| BEVERLY A SPEIER3 Filed as: BEVERLY A. SPEIER | 2012 US HIGHWAY 221 NORTH RUTHERFORDTON, NC 28139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $12 | $253 | 0.45% |
| DALLAS C MORENO3 Filed as: DALLAS C. MORENO | 6135 RIDGE PLACE SAN ANTONIO, TX 78250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $1K | — | $1K | 5.04% |
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 | 310 | 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. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 402 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 402 | $1.5M |
| Vision | VISION SERVICE PLAN | 204 | $25K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 310 | $59K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 310 | $59K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 310 | $59K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 402 | $1.5M |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 310 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.