| 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 | $0 | $71K | $71K | 2.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 19.43% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 16.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $186 | $3K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $653 | $653 | 0.91% |
| OCHS INC3 Filed as: OCHS, INC. | 400 ROBERT STREET NORTH, SUITE 1880 SAINT PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | MINNESOTA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 13.00% |
| NATIONAL INSURANCE SERVICES OF WI3 | UNKNOWN HOUSTON, TX 77054 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 12.00% |
| OCHS INC3 Filed as: OCHS, INC. | 400 ROBERT STREET NORTH, SUITE 1880 SAINT PAUL, MN 55101 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 4.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | SUPERIOR VISION PLAN OF TEXAS | $2K | — | $2K | 10.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 233 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 237 | $92K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 209 | $21K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 345 | $35K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $72K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 345 | $29K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 233 | $2.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.