| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONI0 | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN OF TEXAS, INC. | $71K | $915 | $72K | 5.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONIO | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | HUMANA INSURANCE COMPANY | $10K | $1K | $11K | 12.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD, GBS FINANCE - 5TH FL. ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 90006 | STANDARD INSURANCE COMPANY | $904 | $0 | $904 | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD, GBS FINANCE - 5TH FL. ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 11.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONIO | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | DENTICARE, INC. | $634 | $151 | $785 | 13.61% |
| KAY LAVENDER4 | 307 SPRING CRK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $396 | $0 | $396 | 7.46% |
| BOWIE BALLARD4 | 411 BUCKINGHAM RED, #1014 RICHARDSON, TX 75081 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $336 | $0 | $336 | 6.33% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 193 | $1.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 166 | $99K |
| Vision | HUMANA INSURANCE COMPANY | 166 | $93K |
| Life insurance | STANDARD INSURANCE COMPANY | 216 | $47K |
| Short-term disability | STANDARD INSURANCE COMPANY | 30 | $13K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 49 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.