| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $63 | $42K | 7.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $189 | $189 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | HCC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ROGER GARZA3 Filed as: ROGER GARZA JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $856 | $0 | $856 | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $361 | $0 | $361 | 1.14% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | $0 | $157 | 0.49% |
| DARLENE A. SPARKS3 | 11021 MAYKIRK SUGAR LAND, TX 77478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.11% |
| MICHAEL L. COOK3 | 24165 INTERSTATE HIGHWAY 10 SUITE 217 SAN ANTONIO, TX 78257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| JEFFREY LANCE ANNARINO3 | 1203 OAK HOLLOW DRIVE FRIENDSWOOD, TX 77546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | HCC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $575K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 389 | $36K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $606K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 35 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $575K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.