| 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 | $90K | $2K | $92K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $30K | $2K | $32K | 12.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.21% |
| THOMAS E. BRANDA3 Filed as: THOMAS EDWARD BRANDA | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.66% |
| NATALIE JONES TELTOW3 | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $491 | $3K | 5.63% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH SIXTH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $174 | $2K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY DALLAS, TX 75240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 2.80% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $954 | $598 | $2K | 2.53% |
| MJ INSURANCE3 Filed as: MARY R. BOWLES AND VARIOUS AGENTS | 147 WEST WADING POND CIRCLE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $812 | $197 | $1K | 1.64% |
| SUSAN SIDELL3 | 394 GRANGEVILLE SALMON ROAD GRANGEVILLE, ID 83530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $41 | $476 | 0.77% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 300 | $1.8M |
| Dental | STANDARD INSURANCE COMPANY | 203 | $256K |
| Vision | STANDARD INSURANCE COMPANY | 203 | $256K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 203 | $317K |
| Short-term disability | STANDARD INSURANCE COMPANY | 203 | $256K |
| Long-term disability | STANDARD INSURANCE COMPANY | 203 | $256K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 300 | $1.8M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 203 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.