| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $25K | $0 | $25K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $660 | $660 | 1.25% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | ALLSTATE | $7K | $0 | $7K | 13.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | ALLSTATE | $3K | $0 | $3K | 6.20% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | ALLSTATE | $302 | $0 | $302 | 0.61% |
| SHERRY BRANDA3 | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | ALLSTATE | $213 | $0 | $213 | 0.43% |
| TIMOTHY STEVENS3 Filed as: TIMOTHY E STEPHENS | 204 WADE ST SILSBEE, TX 776566315 | ALLSTATE | $31 | $0 | $31 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $367 | $367 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| GROUP & PENSION ADMINISTRATORS INC3 | 12770 MERIT DRIVE, SUITE 200 DALLAS, TX 75251 | AIG | $2K | $0 | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS, INC NONE | Contract Administrator; Claims processing; Plan Administrator; Other fees Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $70K |
| GALLAGHER BENEFITS EIN 36-4291971 NONE | Insurance agents and brokers Service code 22 | — | $16K |
| AIG EIN 25-0687550 NONE | Other insurance fees and expenses Service code 73 | — | $16K |
| PHCS EIN 13-3068979 NONE | Contract Administrator Service code 13 | — | $7K |
| ELAP | Contract Administrator Service code 13 | — | $2K |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 140 | $295K |
| Vision | VISION SERVICE PLAN | 121 | $18K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $132K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $53K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 140 | $245K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.