| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $175K | $452K | $627K | 54.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2333 TOWN CENTER DR STE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF RD., 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | DELTA DENTAL INSURANCE COMPANY | $33K | — | $33K | 10.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 7.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | ALPHA DENTAL PROGRAMS, INC. | $2K | — | $2K | 10.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYFLEX SYSTEMS USA, INC. TPA | Insurance services Service code 23 | P.O. BOX 2239, OMAHA, NE 68103 | $25K |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 441 | $332K |
| Vision | HUMANA INSURANCE COMPANY | 312 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 749 | $428K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 749 | $428K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 779 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 749 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.