| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | BLUECROSS BLUESHIELD OF TEXAS | $143K | $97 | $143K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC. | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF TEXAS | $70K | $10K | $80K | 1.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $0 | $51K | 5.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, LLC. | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $54 | $37K | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, LLC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $10K | $36K | 4.03% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 13.16% |
| CHRIS WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | $0 | $20K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 7.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4201 WESTOWN PARKWAY, SUITE 120 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $342 | $342 | 0.17% |
| SCOTT WELSH3 | 1445 WEST REDLANDS BOULEVARD SUITE B REDLANDS, CA 92373 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 2101 MCCULLOUGH AVENUE, SUITE 210 SAN ANTONIO, TX 78212 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 6.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $303 | $303 | 0.37% |
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 | 611 | 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) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,399 | $7.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,436 | $8.1M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,311 | $83K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,436 | $886K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,436 | $886K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,436 | $886K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,399 | $7.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,436 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,436 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.