| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4411 S INTERSTATE 35 STE 105 GEORGETOWN, TX 78626 | BLUECROSS BLUESHIELD OF TEXAS | $35K | $2K | $37K | 4.13% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE GROUP | 5722 I-55 N FRONTAGE ROAD JACKSON, MS 39211 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 18.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4411 S INTERSTATE 35 STE 105 GEORGETOWN, TX 78626 | UNION SECURITY INSURANCE COMPANY | $3K | $543 | $4K | 32.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4411 S INTERSTATE 35 STE 105 GEORGETOWN, TX 78626 | UNITED DENTAL CARE OF TEXAS, INC. | $330 | $51 | $381 | 11.55% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 0 | $886K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 44 | $15K |
| Life insurance(2 contracts, 2 carriers) | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 55 | $46K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 44 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.