| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $65K | $2K | $67K | 4.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8410 HIGHWAY 90A, SUITE 110 SUGARLAND, TX 77478 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.79% |
| SHERRY BRANDA3 Filed as: SHERRY BRANDS | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.34% |
| THOMAS E. BRANDA3 Filed as: THOMAS E BRANDS | 8000 RESEARCH FOREST DRIVE SUITE 115-163 THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $636 | — | $636 | 3.17% |
| NICOLAS C. TURANO3 Filed as: NICOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.40% |
| TIMOTHY STEVENS3 Filed as: TIMOTHY ERIC STEPHENS | 204 WADE STREET SILSBEE, TX 77656 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 231 | $1.4M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 127 | $101K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 234 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $78K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 231 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.