| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $63 | $49K | 7.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36 | $36 | 0.01% |
| ACCESS BENEFIT SOLUTIONS LLC3 Filed as: ACCESS BENEFIT SOLUTIONS, LLC | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $60 | $2K | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 697 KATY, TX 77494 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $908 | $147 | $1K | 6.80% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $125 | $406 | 2.62% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $110 | $302 | 1.95% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $8 | $246 | 1.59% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ AND OTHER AGENTS | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.33% |
| CARTER BENEFITS SOLUTIONS LLC3 Filed as: CARTER BENEFITS SOLUTIONS, LLC | 22411 WILDWOOD GROVE DRIVE KATY, TX 77450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $10 | $41 | 0.26% |
| NATALIE JONES TELTOW3 Filed as: NATALIE J. TELTOW | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $271 | $0 | $271 | 10.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $173 | $0 | $173 | 6.65% |
| VERNA HEATH3 | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $108 | $0 | $108 | 4.15% |
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 | 662 | 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) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 2ND MD | 325 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $661K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $661K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $661K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $661K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.