| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 9.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 7.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | $0 | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.60% |
| SHERRY BRANDA3 | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.29% |
| THOMAS E. BRANDA3 | 29624 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | $0 | $626 | 2.68% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | $0 | $92 | 0.39% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 517 | $241K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 517 | $241K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $222K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $199K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $199K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.