| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $22K | $986 | $23K | 10.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.89% |
| ROGER GARZA3 Filed as: ROGER GARZA JUNIOR | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.22% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $705 | $0 | $705 | 0.70% |
| DARLENE A. SPARKS3 | 11021 MAYKIRK SUGAR LAND, TX 77478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | $0 | $264 | 0.26% |
| MICHAEL COOK3 | 24165 IH-10, SUITE 217 SAN ANTONIO, TX 78257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | $0 | $217 | 0.22% |
| JEFFREY LANCE ANNARINO3 | 4815 FM 2351 ROAD, SUITE 206 FRIENDSWOOD, TX 77546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.13% |
| MJ INSURANCE3 Filed as: CAROLYUN ZIRKEL AND VARIOUS AGENTS | 22470 HIGHWAY 16 NORTH MEDINA, TX 78055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $11K | $339 | $11K | 11.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE DRIVE, SUITE 650 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | $0 | $727 | $727 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $337 | $337 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 13 | $101K |
| Dental | STANDARD INSURANCE COMPANY | 351 | $221K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 270 | $21K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 340 | $198K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 13 | $101K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 340 | $97K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 340 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.