| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125K | — | $125K | 15.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65K | — | $65K | 8.12% |
| MJ INSURANCE3 Filed as: BRANDON PENKO AND VARIOUS AGENTS | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58K | — | $58K | 7.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE DRIVE, SUITE 200 DALLAS, TX 75254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 3.08% |
| ROSEMARY CHOI3 | 5442 MCCULLOUGH CIRCLE HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 1.80% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 1.27% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST UNIVERSITY BOULEVARD SUITE 1B ODESSA DALLAS, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $16K | $39K | 6.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 2.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | HM LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.58% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 13014 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 17.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | ARAG SERVICES, LLC | $321 | — | $321 | 1.63% |
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 | 3,945 | 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) | 3,945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,796 | $799K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,712 | $572K |
| Vision | HM LIFE INSURANCE COMPANY | 2,358 | $179K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,945 | $299K |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,759 | $406K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,759 | $406K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,945 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,945 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.