| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 601 NORTHWEST LOOP 410 SAN ANTONIO, TX 78216 | AETNA | $30K | — | $30K | 4.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SERVI | 4851 LBJ FREEWAY DALLAS, TX 75244 | AETNA | $16K | — | $16K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 601 NORTHWEST LOOP 410 SAN ANTONIO, TX 78216 | AETNA | $10K | — | $10K | 4.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SERV | 4851 LBJ FREEWAY DALLAS, TX 75244 | AETNA | $5K | — | $5K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $691 | $4K | 6.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 4851 LYNDON B JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $803 | $3K | 4.67% |
| PIONEER BENEFIT SERVICES INC3 | 601 NW LOOP SUITE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 70 NORTHEAST LOOP SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $245 | — | $245 | 9.84% |
| PIONEER BENEFIT SERVICES INC3 | 1600 NORTHEAST LOOP 410 SUITE 105 SAN ANTONIO, TX 78209 | STANDARD INSURANCE COMPANY | $101 | — | $101 | 4.05% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA | 189 | $892K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 10 | $2K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.