| 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 | $38K | — | $38K | 4.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LYNDON B JOHNSON FREEWAY DALLAS, TX 75244 | AETNA | $24K | — | $24K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, ID 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 10.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LYNDON B JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $121 | $2K | 2.95% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING INC D/B/A DKG | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $610 | — | $610 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $436 | $3K | 10.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4861 LYNDON B JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 70 NORTHEAST LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $306 | — | $306 | 6.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $99 | — | $99 | 2.11% |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 219 | $865K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $95K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $95K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $95K |
| Short-term disability | STANDARD INSURANCE COMPANY | 18 | $5K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.