| 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 | $113K | — | $113K | 9.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10101 REUNION PLACE, SUITE 740 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NW LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.98% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $740 | — | $740 | 2.24% |
| SELVIA R. CASTILLEJA3 | 12119 CARSON COVE SAN ANTONIO, TX 78253 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.52% |
| WALTER J SPRANG3 Filed as: WALTER J. SPRANG | PO BOX 71542 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.02% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES, INC. | 246 IVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $802 | — | $802 | 4.23% |
| SELVIA R. CASTILLEJA3 | 12119 CARSON COVE SAN ANTONIO, TX 78253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $115 | — | $115 | 0.61% |
| WALTER J SPRANG3 Filed as: WALTER J. SPRANG | PO BOX 71542 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7 | $7 | 0.04% |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,489 | $1.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,455 | $53K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,489 | $1.2M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,489 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,489 | $1.2M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,489 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,489 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.