| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | BLUE CROSS BLUE SHIELD OF TEXAS | $77K | $2K | $79K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 10.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $8K | $8K | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 1900 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $493 | $0 | $493 | 6.32% |
| SHERRY BRANDA3 Filed as: SHERRY T. BRANDA | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | $0 | $359 | 4.60% |
| THOMAS E. BRANDA3 | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $186 | $0 | $186 | 2.38% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.36% |
| TIMOTHY STEVENS3 Filed as: TIMOTHY ERIC STEPHENS | 204 WADE STREET SILSBEE, TX 77656 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$5 | -$1 | -$6 | -0.08% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 267 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 169 | $197K |
| Vision | STANDARD INSURANCE COMPANY | 169 | $197K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 169 | $212K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 169 | $205K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 169 | $205K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 267 | $1.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 169 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.