| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $0 | $44K | $44K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1850 LOCKHILL SELMA, SUITE 101 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 6.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 6.34% |
| GREGORY J WEEKS3 Filed as: GREGORY J. WEEKS | 1259 LOOP 337 NORTH, 2ND FLOOR NEW BAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.75% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER J. WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.67% |
| JAMES BOB BLAKEY3 Filed as: JAMES BLAKEY AND OTHER AGENTS | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.45% |
| JEROME JEFFREY PESEK3 Filed as: JEROME J. PESEK | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $645 | $0 | $645 | 0.20% |
| TERRY LAXSON3 | 4130 BUSINESS PARK DRIVE AMARILLO, TX 79110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | $0 | $593 | 0.19% |
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 | 1,848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,316 | $120K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,234 | $865K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,234 | $865K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,234 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.