| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLL CONCEPTS INC.3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | ALLSTATE | $59K | — | $59K | 26.57% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC. | 5151 BELT LINE DRIVE, SUITE 200 DALLAS, TX 75254 | ALLSTATE | $40K | — | $40K | 17.80% |
| MJ INSURANCE3 Filed as: ALLISON A. WISE AND VARIOUS AGENTS | 2801 WATERFALL DRIVE, SUITE 143 HOUSTON, TX 77056 | ALLSTATE | $23K | — | $23K | 10.40% |
| ROSEMARY CHOI3 | 5442 ORTENSIA STREET HOUSTON, TX 77056 | ALLSTATE | $7K | — | $7K | 3.00% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | ALLSTATE | $5K | — | $5K | 2.30% |
| BRANDON PENKO3 | 6503 BRITTANY PARK LANE HOUSTON, TX 77066 | ALLSTATE | $4K | — | $4K | 2.00% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGAR LAND, TX 77479 | ALLSTATE | $4K | — | $4K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST UNIVERSITY BOULEVARD SUITE 1-B ODESSA DALLAS, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.01% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | HARTFORD LIFE AND ACCIDENT | $684 | — | $684 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 13.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED HEALTHCARE INSURANCE COMPANY | — | $108 | $108 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | UNITED HEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | ARAG SERVICES, LLC | $549 | — | $549 | 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 | 3,728 | 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) | 3,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 2,060 | $222K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,870 | $179K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,624 | $59K |
| Life insurance(2 contracts, 2 carriers) | ALLSTATE | 3,728 | $333K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,722 | $78K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,722 | $78K |
| Other(4 contracts, 3 carriers) | ALLSTATE | 3,728 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,728 | — |
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.