| 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 | $54K | $54 | $54K | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $108 | $108 | 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 | $0 | $2K | 9.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 697 KATY, TX 77494 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $940 | $5 | $945 | 5.53% |
| DARIN POTTS3 | 100 DETERING STREET, SUITE 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $242 | $544 | 3.18% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $104 | $316 | 1.85% |
| SUSAN B STEELE3 Filed as: SUSAN B. STEELE | 415 NORTH 6TH STREET NEDERLAND, TX 77627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.88% |
| MJ INSURANCE3 Filed as: TIMOTHY J. REED AND VARIOUS AGENTS | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.22% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.15% |
| NATALIE JONES TELTOW4 Filed as: NATALIE J. TELTOW | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $380 | $0 | $380 | 9.05% |
| GALLAGHER BENEFIT SERVICES, INC.4 | PO BOX 95287 CHICAGO, IL 60694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $331 | $0 | $331 | 7.88% |
| VERNA HEATH4 | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $115 | $0 | $115 | 2.74% |
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 | 708 | 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) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACCOLADE/2ND.MD | 378 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $726K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $726K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $726K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $726K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.