| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 18.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $758 | $758 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | — | $2K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $242 | $242 | 1.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY | — | $974 | $974 | 6.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UNION SECURITY INSURANCE COMPANY | $748 | — | $748 | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | EYEMED VISION CARE | $650 | — | $650 | 9.25% |
| LOUIE ALMANZA3 | 5959 GATEWAY BOULEVARD WEST SUITE 655 EL PASO, TX 79925 | AFLAC | $7K | $305 | $7K | — |
| LISA A ALMANZA3 Filed as: LISA ALMANZA | 5959 GATEWAY BOULEVARD WEST SUITE 655 EL PASO, TX 79925 | AFLAC | $3K | $98 | $3K | — |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $2K | $67 | $2K | — |
| LISA A ALMANZA3 Filed as: LISA A ALMANZA & VAR. AGENTS | 4171 NORTH MESA BUILDING SUITE 102 EL PASO, TX 79902 | AFLAC | $1K | — | $1K | — |
| TRACY L MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $932 | — | $932 | — |
| LOUIE ALMANZA3 | 4171 NORTH MESA BUILDING A SUITE 102 EL PASO, TX 79902 | AFLAC | $590 | — | $590 | — |
| LUIS MANUEL RODRIGUEZ3 | 3317 NORTH CORRINE DRIVE SUITE A PRESCOTT VALLEY, AZ 86314 | AFLAC | $420 | — | $420 | — |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | 214 | $18K |
| Vision | EYEMED VISION CARE | 106 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $66K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 29 | $28K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
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.