| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 10.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER, SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $650 | $650 | 1.35% |
| CRYSTAL J MULVILLE3 Filed as: CRYSTAL J. MULVILLE | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | AFLAC | $2K | $9 | $2K | 10.14% |
| MATTHEW SUTTON3 | 2318 LEGENDS SHORE DRIVE SPRING, TX 77386 | AFLAC | $362 | $0 | $362 | 1.76% |
| MJ INSURANCE3 Filed as: JEFFREY C. WEST AND VARIOUS AGENTS | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $230 | $0 | $230 | 1.12% |
| CHAD HAINES3 Filed as: CHAD W. HAINES | 108 WROXTON DRIVE CONROE, TX 77304 | AFLAC | $228 | $0 | $228 | 1.11% |
| TANYA LOREE BRYAN3 | 42 NORTH DELTA MILL CIRCLE THE WOODLANDS, TX 77385 | AFLAC | $221 | $2 | $223 | 1.09% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $161 | $0 | $161 | 0.78% |
| TODD A STULL3 Filed as: TODD A. STULL | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77070 | AFLAC | $148 | $2 | $150 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $945 | $0 | $945 | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCIES, INC. | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED CONCORDIA DENTAL PLANS OF TEXAS, INC. | $330 | $0 | $330 | 10.13% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 186 | $62K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 195 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $48K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.