| 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 | $10K | $63K | $73K | 5.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | UNKNOWN HOUSTON, TX 77054 | AETNA LIFE INSURANCE COMPANY | $0 | $952 | $952 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AETNA HEALTH INC. | $0 | $41K | $41K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $123 | $30K | 33.32% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $299 | $904 | $1K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.01% |
| JEFF FRENCH3 | UNKNOWN HOUSTON, TX 77054 | 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 SAINT PAUL, MN 55101 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 4.00% |
| OCHS INC3 Filed as: OCHS, INC. | 400 ROBERT STREET NORTH SAINT PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MINNESOTA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | SUPERIOR VISION PLAN OF TEXAS | $2K | $0 | $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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC. | 131 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 383 | $1.4M |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 223 | $21K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 306 | $29K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $89K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 299 | $30K |
| Prescription drug | AETNA HEALTH INC. | 131 | $1.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.