| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | $21K | $78K | 18.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $54 | $31K | 9.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| ROGER GARZA3 Filed as: ROGER GARZA JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 11.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.93% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $760 | $0 | $760 | 0.50% |
| KATHY SUE ENOCHS3 | 12770 MERIT DRIVE, SUITE 200 PARK CENTRAL 8 DALLAS, TX 75251 | TOKIO MARINE HCC | $0 | $8K | $8K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 | PO BOX 749075 DALLAS, TX 75374 | TOKIO MARINE HCC | $0 | $2K | $2K | 3.02% |
| GROUP & PENSION ADMINISTRATORS INC3 Filed as: GROUP AND PENSION ADMINISTRATORS | PO BOX 749075 DALLAS, TX 75374 | TOKIO MARINE HCC | $0 | $439 | $439 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | SUPERIOR VISION PLAN OF TEXAS | $6K | $0 | $6K | 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 | 602 | 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) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 602 | $6K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 995 | $323K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 627 | $61K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 602 | $567K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 602 | $415K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 602 | $415K |
| Prescription drug | TELADOC HEALTH, INC. | 602 | $6K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 622 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.