| 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 | $19K | — | $19K | 9.84% |
| ROGER GARZA3 Filed as: ROGER GARZA JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.83% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697 | — | $697 | 0.77% |
| ROBERT ZIRKEL3 Filed as: ROBERT ZIRKEL JR. AND OTHER AGENTS | 22470 HIGHWAY 16 NORTH MEDINA, TX 78055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 0.51% |
| BENEFIT ALLIANCE INC3 Filed as: BENEFIT ALLIANCE, INC. | PO BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | — | $464 | 0.51% |
| MICHAEL COOK3 | 24165 INTERNATIONAL HIGHWAY 10 WEST SUITE 217 SAN ANTONIO, TX 78257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $454 | — | $454 | 0.50% |
| DARLENE A. SPARKS3 | 11021 MAYKIRK SUGAR LAND, TX 77478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $420 | — | $420 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2245 TEXAS DRIVE, SUITE 140 SUGAR LAND, TX 77479 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SUPERIOR VISION OF TEXAS | $2K | — | $2K | 9.94% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 264 | $135K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 458 | $193K |
| Vision | SUPERIOR VISION OF TEXAS | 365 | $18K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 325 | $181K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 325 | $90K |
| Prescription drug | TELADOC | 264 | $44K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 325 | $181K |
| 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."
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.