| 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 | $13K | — | $13K | 11.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.34% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND FINANCIAL SERVICES INC. | 4701 ALTAMESA BOULEVARD, SUITE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 1.16% |
| PAMELA KAY POOLE3 | 4701 ALTAMESA BOULEVARD, SUITE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.51% |
| TAG BENEFITS GROUP LLC3 | 502 NORTH MAIN STREET, PMB139 WEATHERFORD, TX 76086 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.16% |
| ROGER GARZA3 Filed as: ROGER GARZA JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.16% |
| LUCINDA R. OLIVARES3 | 1921 WILLOW VALE DRIVE FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | $2K | — | $2K | 10.00% |
| 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) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $21K |
| Vision | VISION SERVICE PLAN | 107 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $108K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.