| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78750 | BLUECROSS BLUESHIELD OF TEXAS | $100K | $6K | $106K | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AND OTHER AGENTS | 500 WEST 13TH STREET, SUITE 200 FORT WORTH, TX 76102 | AFLAC | $5K | $0 | $5K | 4.20% |
| DAWN D STILLWELL3 Filed as: DAWN D. STILLWILL | 135 SOUTH SAGE HOLLOW DRIPPING SPRINGS, TX 78620 | AFLAC | $4K | $33 | $4K | 3.21% |
| ROSE NIDYA BARNETT3 | 12307 KLONDIKE RUSH POINT AUSTIN, TX 78726 | AFLAC | $3K | $0 | $3K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 1.67% |
| JENNIFER R THOM3 Filed as: JENNIFER R. THOM | 11710 BIG TRAIL AUSTIN, TX 78759 | AFLAC | $2K | $8 | $2K | 1.43% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $2K | $8 | $2K | 1.34% |
| JENNIFER L VERHAEGHE3 Filed as: JENNIFER L. VERHAEGHE | 3513 DUNLOP AVENUE BILLINGS, MT 59106 | AFLAC | $1K | $0 | $1K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 9.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $2K | $8K | 8.09% |
| KACY LAVENDER3 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $532 | $0 | $532 | 17.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $338 | $0 | $338 | 10.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AND ASSOCIATES | PO BOX 908 FORT WORTH, TX 76101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $84 | $0 | $84 | 2.72% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 337 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $155K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 458 | $100K |
| Short-term disability | AFLAC | 155 | $123K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 337 | $3.6M |
| Other(4 contracts, 4 carriers) | AFLAC | 458 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.