| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | HUMANA HEALTH PLAN OF TEXAS, INC. | $40K | $0 | $40K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4411 SOUTH IH-35, SUITE 105 GEORGETOWN, TX 78626 | HUMANA HEALTH PLAN OF TEXAS, INC. | $0 | $39 | $39 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | HUMANA INSURANCE COMPANY | $15K | $3K | $18K | 11.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4411 SOUTH IH-35, SUITE 105 GEORGETOWN, TX 78626 | HUMANA INSURANCE COMPANY | $0 | $70 | $70 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $443 | $443 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 220 EMERSON PLACE, SUITE 200 DAVENPORT, IA 52801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $443 | $443 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 CAPITAL OF TEXAS HIGHWAY NORTH PLAZA 1, SUITE 950 AUSTIN, TX 78759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.77% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 126 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 120 | $154K |
| Vision | HUMANA INSURANCE COMPANY | 120 | $154K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $61K |
| Prescription drug | HUMANA HEALTH PLAN OF TEXAS, INC. | 126 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.