| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $12K | $108K | $120K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $149 | $13K | 15.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| OCHS INC3 Filed as: OCHS INC. | 400 ROBERT STREET NORTH SAINT PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MINNESOTA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| NATIONAL INS. SERVICES OF WI,INC.3 Filed as: NATIONAL INS. SERVICES OF WI, INC. | UNKNOWN HOUSTON, TX 77054 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $5K | $0 | $5K | 12.00% |
| JEFF FRENCH3 | UNKNOWN HOUSTON, TX 77054 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 10.00% |
| OCHS INC3 Filed as: OCHS, INC. | UNKNOWN HOUSTON, TX 77054 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | 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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 380 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 380 | $2.4M |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 220 | $24K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $128K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $82K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 291 | $38K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 380 | $2.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.