| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH HOUSTON, TX 77027 | AIG BENEFIT SOLUTIONS | $3K | $868 | $4K | 12.97% |
| SHERRY BRANDA3 | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | ALLSTATE BENEFITS | $992 | — | $992 | 5.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | ALLSTATE BENEFITS | $914 | — | $914 | 4.79% |
| THOMAS E. BRANDA3 Filed as: THOMAS E BRANDA | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | ALLSTATE BENEFITS | $189 | — | $189 | 0.99% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | ALLSTATE BENEFITS | $50 | — | $50 | 0.26% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 215 | $13K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 215 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $164K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $145K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $193K |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.