| 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 | $51K | $0 | $51K | 9.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 8.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 70 NE LOOP 410 #325 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 64.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 9.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.22% |
| GROUP & PENSION ADMINISTRATORS INC5 | 12770 MERIT DRIVE STE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $611 | $2K | 13.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 9.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LP SOUTH, STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $908 | $0 | $908 | 6.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC EIN 75-2148164 NONE | Claims processing; Other fees; Plan Administrator Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $119K |
| GALLAGHER BENEFITS | Insurance agents and brokers Service code 22 | — | $18K |
| PHCS | Contract Administrator Service code 13 | — | $9K |
| 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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 156 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 266 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 49 | $15K |
| Long-term disability | STANDARD INSURANCE COMPANY | 162 | $37K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $521K |
| Other | TOKIO MARINE HCC | 156 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.