| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONIO | GALLAGHER CENTER 2 PIERCE PLACE ITASCA, IL 60143 | HUMANA HEALTH PLAN OF TEXAS, INC. | $72K | $2K | $74K | 2.61% |
| GFL & ASSOCIATES LLC3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN OF TEXAS, INC. | $70K | — | $70K | 2.47% |
| GEORGE F LONG3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | HUMANA HEALTH PLAN OF TEXAS, INC. | -$69 | — | -$69 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONIO | GALLAGHER CENTER 2 PIERCE PLACE ITASCA, IL 60143 | HUMANADENTAL INSURANCE COMPANY | $11K | $1K | $13K | 5.64% |
| GFL & ASSOCIATES LLC3 | 10101 REUNION PL STE 300 SAN ANTONIO, TX 78216 | HUMANADENTAL INSURANCE COMPANY | $11K | — | $11K | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | THE GALLAGHER CENTRE 2 PIERCE PLACE ITASCA, IL 60143 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.90% |
| GFL & ASSOCIATES LLC3 Filed as: GFL & ASSOCIATES, LLC | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| GFL & ASSOCIATES LLC3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 27.69% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FINL SVCS INC | 4851 LBJ FREEWAY SUITE 1100 DALLAS, TX 75244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | THE GALLAGHER CENTRE 2 PIERCE PLACE ITASCA, IL 60143 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.92% |
| GFL & ASSOCIATES LLC3 Filed as: GFL & ASSOCIATES, LLC | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | THE GALLAGHER CENTRE 2 PIERCE PLACE ITASCA, IL 60143 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.90% |
| GFL & ASSOCIATES LLC3 Filed as: GFL & ASSOCIATES, LLC | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.09% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 362 | $2.8M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 406 | $226K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 406 | $226K |
| Life insurance | STANDARD INSURANCE COMPANY | 426 | $49K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 192 | $145K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 426 | $158K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 426 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
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.
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.