| 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 | $22K | $41 | $22K | 10.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| ROGER GARZA3 Filed as: ROGER GARZA, JR. | 1322 PINE BROOK TOMBALL, TX 77375 | ALLSTATE BENEFITS | $17K | — | $17K | 11.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | 1900 WEST LOOP SOUTH, SUIT 1600 HOUSTON, TX 77027 | ALLSTATE BENEFITS | $8K | — | $8K | 5.19% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | ALLSTATE BENEFITS | $878 | — | $878 | 0.59% |
| BENEFIT ALLIANCE INC3 Filed as: BENEFIT ALLIANCE | PO BOX 1703 BOERNE, TX 78006 | ALLSTATE BENEFITS | $12 | — | $12 | 0.01% |
| UNKNOWN3 | UNKNOWN CORPUS CHRISTI, TX 78414 | AIG | $5K | — | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SUPERIOR VISION OF TEXAS | $4K | — | $4K | 10.79% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 467 | $148K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $206K |
| Vision | SUPERIOR VISION OF TEXAS | 690 | $37K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 655 | $321K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 655 | $173K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 655 | $173K |
| Prescription drug | TELADOC | 467 | $0 |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 655 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.