| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | $0 | $38K | 10.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $905 | $905 | 1.25% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INS CO | $9K | $0 | $9K | 13.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INS CO | $4K | $0 | $4K | 6.09% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INS CO | $363 | $0 | $363 | 0.54% |
| SHERRY BRANDA3 | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INS CO | $165 | $0 | $165 | 0.25% |
| THOMAS E. BRANDA3 Filed as: THOMAS E BRANDA | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INS CO | $161 | $0 | $161 | 0.24% |
| TIMOTHY STEVENS3 Filed as: TIMOTHY E STEPHENS | 204 WADE ST SILSBEE, TX 776566315 | AMERICAN HERITAGE LIFE INS CO | $28 | $0 | $28 | 0.04% |
| 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 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $333 | $333 | 1.25% |
| GROUP & PENSION ADMINISTRATORS INC3 | 12770 MERIT DRIVE STE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $535 | $2K | 13.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 770273295 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC EIN 75-2148164 NONE | Contract Administrator; Plan Administrator; Claims processing; Other fees Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $96K |
| GALLAGHER BENEFITS NONE | Insurance agents and brokers Service code 22 | 1900 W LOOP SOUTH, STE 1600 HOUSTON, TX 77027 | $17K |
| AIG EIN 25-0687550 NONE | Other insurance fees and expenses Service code 73 | — | $17K |
| PHCS EIN 13-3068979 NONE | Contract Administrator Service code 13 | — | $8K |
| 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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 134 | $15K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $166K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $72K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 147 | $355K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.