| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $184K | $48K | $232K | 11.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | ALLSTATE | $9K | $0 | $9K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | ALLSTATE | $9K | $0 | $9K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.95% |
| STARNES-OSBURN & ASSOCIATES, LLC3 Filed as: STARNES-OSBURN AND ASSOCIATES, LLC | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.11% |
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 | 1,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,688 | $2.0M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,688 | $2.0M |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,688 | $2.0M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,688 | $2.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,688 | $2.0M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,688 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,688 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.