| 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 | $7K | — | $7K | 11.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $965 | — | $965 | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $655 | $655 | 1.36% |
| CRYSTAL J MULVILLE3 Filed as: CRYSTAL J. MULVILLE | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | AFLAC | $1K | $125 | $2K | 6.87% |
| MATTHEW SUTTON3 | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | AFLAC | $456 | $26 | $482 | 2.12% |
| TANYA LOREE BRYAN3 | 42 NORTH DELTA MILL CIRCLE THE WOODLANDS, TX 77385 | AFLAC | $329 | $33 | $362 | 1.59% |
| CHAD HAINES3 Filed as: CHAD W. HAINES | 104 HUNTERS TRAIL CONROE, TX 77304 | AFLAC | $293 | — | $293 | 1.29% |
| MJ INSURANCE3 Filed as: JEFFEREY C. WEST AND VARIOUS AGENTS | 17403 WIDMORE PLACE SPRING, TX 77379 | AFLAC | $219 | — | $219 | 0.96% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSELY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $199 | — | $199 | 0.87% |
| GENESSA R GERBER3 Filed as: GENESSA R. GERBER | 10202 LLANO RIVER LANE CYPRESS, TX 77433 | AFLAC | $83 | — | $83 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED CONCORDIA DENTAL PLANS OF TEXAS, INC. | $222 | — | $222 | 9.56% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 218 | $66K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 190 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $48K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.