| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5847 SAN FELIPE ST., STE 1600 HOUSTON, TX 77057 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S., STE 1600 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE CO. | $6K | $0 | $6K | 10.02% |
| 19 21 CONSULTANTS CO., LLC3 | 568 S. BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | $0 | $3K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $2K | $2K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $1K | $1K | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $1K | $1K | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $1K | $1K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S., STE 1600 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $0 | $2K | 10.22% |
| 19 21 CONSULTANTS CO., LLC3 | 568 S. BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | UNITED OF OMAHA LIFE INSURANCE CO. | $915 | $0 | $915 | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $637 | $637 | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S., STE 1600 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $0 | $1K | 10.09% |
| 19 21 CONSULTANTS CO., LLC3 | 568 S. BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | UNITED OF OMAHA LIFE INSURANCE CO. | $682 | $0 | $682 | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $395 | $395 | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S., STE 1600 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $0 | $1K | 13.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S. STONE AVE. LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $626 | $626 | 6.72% |
| 19 21 CONSULTANTS CO., LLC3 | 568 S. BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | UNITED OF OMAHA LIFE INSURANCE CO. | $463 | $0 | $463 | 4.97% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 211 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $145K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $137K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 259 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 259 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 259 | $42K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 259 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.