| 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 | $11K | $0 | $11K | 9.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.78% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND FINANCIAL SERVICES, INC. | 4701 ALTAMESA BOULEVARD SUITE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $810 | $0 | $810 | 4.13% |
| THOMAS E. BRANDA3 | 35 MERIT WOODS PLACE THE WOODLANDS, TX 77382 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $347 | $0 | $347 | 1.77% |
| NICHOLAS C. TURANO3 | PO BOX 7987 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233 | $0 | $233 | 1.19% |
| PAMELA KAY POOLE3 | 4701 ALTAMESA BOULEVARD SUITE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | $0 | $97 | 0.50% |
| ROGER GARZA3 Filed as: ROGER GARZA JR. | 1322 PINE BROOK TOMBALL, TX 77375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.16% |
| TAG BENEFITS GROUP LLC3 Filed as: TAG BENEFITS GROUP AND OTHER AGENTS | 502 NORTH MAIN STREET PMB 139 WEATHERFORD, TX 76086 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.15% |
| GROUP AND PENSION ADMINISTRATOR3 | UNKNOWN DALLAS, TX 75215 | TOKIO MARINE HCC | $616 | $0 | $616 | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 111 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $130K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $110K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.