| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $64 | $48K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44K | $44K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | BLUECROSS BLUESHIELD OF TEXAS | $50K | $0 | $50K | 3.10% |
| MADISON BENEFITS GROUP INC3 | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF HAWAII | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.00% |
| MADISON BENEFITS GROUP INC | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 2 PIERCE PLACE 21ST ST FL ITASCA, IL 601433141 | HARTFORD LIFE AND ACCIDENT | $0 | $133 | $133 | 2.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FT. WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | $0 | $93 | $93 | 1.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 5151 SAN FELIPE ST FL 17 HOUSTON, TX 770563607 | $2.1M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 501 U.S HIGHWAY 22 BRIDGEWATER, NJ 08807 | $146K |
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 | 7,962 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF HAWAII | 247 | $817K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 8,495 | $317K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,700 | $2.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,577 | $153K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 8,620 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,907 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,620 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.