| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $550 | $550 | 1.14% |
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | AFLAC | $3K | $135 | $3K | 10.02% |
| TANYA LOREE BRYAN3 | 42 NORTH DELTA MILL CIRCLE THE WOODLANDS, TX 77385 | AFLAC | $758 | $27 | $785 | 2.87% |
| MATTHEW SUTTON3 | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | AFLAC | $685 | $27 | $712 | 2.60% |
| CHAD HAINES3 Filed as: CHAD W HAINES | 104 HUNTERS TRAIL CONROE, TX 77304 | AFLAC | $291 | — | $291 | 1.06% |
| JEFFREY C WEST3 | 17403 WIDMORE PLACE SPRING, TX 77379 | AFLAC | $160 | $27 | $187 | 0.68% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | PO BOX 5439 KINGWOOD, TX 77325 | AFLAC | $185 | — | $185 | 0.68% |
| GENESSA R GERBER3 Filed as: GENESSA GERBER AND JOHN JOHNSON | 10202 LLANO RIVER LANE CYPRESS, TX 77433 | AFLAC | $132 | — | $132 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $951 | — | $951 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED CONCORDIA DENTAL PLANS OF TEXAS, INC. | $458 | — | $458 | 9.75% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 193 | $67K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 217 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $48K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.