| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2322 WEST GRAND PARKWAY NORTH SUITE 100 KATY, TX 77449 | BLUECROSS BLUESHIELD OF TEXAS | $83K | $2K | $85K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $28K | $2K | $30K | 12.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.28% |
| THOMAS E. BRANDA3 Filed as: THOMAS EDWARD BRANDA | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 12.10% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 9.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY DALLAS, TX 75240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $123 | $5K | 8.10% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.55% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $384 | $4K | 6.35% |
| MARIA LUGO-VALADEZ3 Filed as: MARIA LUGO-VALADEZ AND OTHER AGENTS | 11427 STANCLIFF ROAD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $102 | $2K | 3.32% |
| SUSAN SIDELL3 | 10838 CORONA LANE HOUSTON, TX 77072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 2.97% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 292 | $1.7M |
| Dental | STANDARD INSURANCE COMPANY | 181 | $244K |
| Vision | STANDARD INSURANCE COMPANY | 181 | $244K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 181 | $304K |
| Short-term disability | STANDARD INSURANCE COMPANY | 181 | $244K |
| Long-term disability | STANDARD INSURANCE COMPANY | 181 | $244K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 292 | $1.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 181 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.