| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2333 TOWN CENTER DRIVE, SUITE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | ALLSTATE | $1K | — | $1K | 5.94% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND FINANCIAL SERVICES INC. | 4701 ALTAMESA BOULEVARD, SUITE 2M FORT WORTH, TX 76133 | ALLSTATE | $1K | — | $1K | 5.39% |
| SHERRY BRANDA3 | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | ALLSTATE | $383 | — | $383 | 1.77% |
| NICHOLAS C. TURANO3 Filed as: NICHOLAS C TURANO | PO BOX 79687 HOUSTON, TX 77279 | ALLSTATE | $233 | — | $233 | 1.08% |
| ROGER GARZA3 Filed as: ROGER GARZA AND LUCINDA OLIVARES | 1322 PINE BROOK TOMBALL, TX 77375 | ALLSTATE | $42 | — | $42 | 0.19% |
| TAG BENEFITS GROUP LLC3 | 502 NORTH MAIN STREET, PMB139 WEATHERFORD, TX 76086 | ALLSTATE | $32 | — | $32 | 0.15% |
| THOMAS E. BRANDA3 Filed as: THOMAS E BRANDA | 8000 RESEARCH FOREST DRIVE SUITE 115-163 THE WOODLANDS, TX 77382 | ALLSTATE | $8 | — | $8 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $1K | — | $1K | 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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 32 | $22K |
| Vision | VISION SERVICE PLAN | 98 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $93K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.