| 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 | $137K | $88 | $137K | 9.30% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.02% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CENTER DRIVE BRIMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130 | $0 | $130 | 5.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | $0 | $93 | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2 | $2 | 0.09% |
| SELVIA R. CASTILLEJA3 | 12119 CARSON COVE SAN ANTONIO, TX 78253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.09% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CENTER DRIVE BRIMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.64% |
| SELVIA R. CASTILLEJA3 | 12119 CARSON COVE SAN ANTONIO, TX 78253 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2 | $2 | 0.10% |
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 | 862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,560 | $1.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,626 | $63K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,560 | $1.5M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,560 | $1.5M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,560 | $1.5M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,560 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,626 | — |
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.