| 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 | $57K | $54 | $57K | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, APARTMENT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $162 | $19K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $85 | $4K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | HCC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| ROGER GARZA3 Filed as: ROGER GARZA, JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $694 | $0 | $694 | 2.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $543 | $0 | $543 | 2.21% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.43% |
| DARLENE A. SPARKS3 | 11021 MAYKIRK SUGAR LAND, TN 77478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.10% |
| MICHAEL L. COOK3 | 24165 IH-10, SUITE 217 SAN ANTONIO, TX 78257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| JEFFREY LANCE ANNARINO3 | 1203 OAK HOLLOW DRIVE FRIENDSWOOD, TX 77546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| 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 | 495 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $661K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $661K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $686K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 35 | $25K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $661K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $725K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.