| 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 | $42K | $0 | $42K | 9.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $907 | $907 | 1.25% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INS CO | $9K | $0 | $9K | 13.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INS CO | $4K | $0 | $4K | 5.89% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS TURANO | P.O. BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INS CO | $373 | $0 | $373 | 0.55% |
| THOMAS E. BRANDA3 Filed as: THOMAS BRANDA | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INS CO | $197 | $0 | $197 | 0.29% |
| SHERRY BRANDA3 | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INS CO | $142 | $0 | $142 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INS CO | $0 | $124 | $124 | 0.18% |
| TIMOTHY STEVENS3 Filed as: TIMOTHY ERIC STEPHENS | 204 WADE ST SILSBEE, TX 77656 | AMERICAN HERITAGE LIFE INS CO | $23 | $0 | $23 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGARLAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $380 | $380 | 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 INC5 | 12770 MERIT DRIVE STE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $656 | $2K | 13.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC EIN 75-2148164 NONE | Contract Administrator; Claims processing; Plan Administrator; Other fees Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $93K |
| AIG EIN 25-0687550 NONE | Other insurance fees and expenses Service code 73 | — | $18K |
| GALLAGHER BENEFITS NONE | Insurance agents and brokers Service code 22 | 1900 W LOOP SOUTH, STE 1600 HOUSTON, TX 77027 | $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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 145 | $23K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $171K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $73K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $430K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.