| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC3 | 12770 MERIT DRIVE STE 200 DALLAS, TX 75251 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $3K | — | $3K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $685 | $120 | $805 | 8.40% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INS CO | $384 | $0 | $384 | 9.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INS CO | $196 | $0 | $196 | 4.62% |
| THOMAS E. BRANDA3 Filed as: THOMAS E BRANDA | 35 MERIT WOODS PLC THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INS CO | $52 | $0 | $52 | 1.23% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INS CO | $18 | $0 | $18 | 0.42% |
| SHERRY BRANDA3 | 35 MERIT WOODS PLC THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INS CO | $12 | $0 | $12 | 0.28% |
| TIMOTHY STEVENS3 Filed as: TIMOTHY E STEPHENS | 204 WADE ST SILSBEE, TX 776566315 | AMERICAN HERITAGE LIFE INS CO | $2 | $0 | $2 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $598 | $50 | $648 | 16.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $281 | $117 | $398 | 13.66% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC - NATL UNION FIRE INS OF PITTSB | $294 | $106 | $400 | 15.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC EIN 75-2148164 NONE | Contract Administrator; Claims processing; Other fees; Plan Administrator Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $15K |
| GALLAGHER BENEFITS | Insurance agents and brokers Service code 22 | — | $3K |
| AIG | Other insurance fees and expenses Service code 73 | — | $3K |
| PHCS | Contract Administrator Service code 13 | — | $1K |
| ELAP | Contract Administrator Service code 13 | — | $312 |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 149 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $3K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $18K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $10K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 149 | $61K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
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.