| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $77K | $3K | $79K | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER HOUSTON | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $54 | $11K | 11.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4904 EISENHOWER BLVD SUITE 250 TAMPA, FL 33634 | STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 33634 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 12.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4904 EISENHOWER BLVD STE 250 TAMPA, FL 33634 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 12.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | STANDARD INSURANCE COMPANY | $779 | $0 | $779 | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER HOUSTON | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | SAFEGUARD HEALTH PLANS, INC, A TEXAS CORPORATION | $1K | — | $1K | 10.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | SAFEGUARD HEALTH PLANS, INC, A TEXAS CORPORATION | — | $186 | $186 | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER HOUSTON | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $54 | $2K | 17.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 352034164 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $54 | $2K | 16.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $181 | $181 | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 782165849 | METROPOLITAN LIFE INSURANCE COMPANY | $95 | — | $95 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER HOUSTON | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $54 | $2K | 19.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 352034164 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $54 | $2K | 19.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $133 | $133 | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 782165849 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER HOUSTON | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $601 | $54 | $655 | 11.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2000 MORRIS AVENUE, APT. 1400 BIRMINGHAM, AL 352034164 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $54 | $637 | 10.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $108 | $108 | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 782165849 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.02% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 252 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $99K |
| Life insurance | STANDARD INSURANCE COMPANY | 208 | $21K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 115 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $45K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.