| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAHGER BENEFIT SERVICES INC3 | 5401 ROGERS AVE STE 202 FORT SMITH, AR 729033767 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $31K | $31K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $75 | $12K | 9.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD 4 RADNOR CORPORATE CTR STE 510 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE STE 202 FORT SMITH, AR 72903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $185 | $7K | 26.24% |
| MCFADDEN BENEFIT MANAGEMENT INC3 | 5852 KENNEDY DR FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 21.38% |
| KYLE HARDING3 | 520 W 12TH ST TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 15.86% |
| MARKS BENEFIT MANAGEMENT LLC3 | 4257 N GABEL DR FAYETTEVILLE, AR 72703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $980 | $576 | $2K | 5.94% |
| MANDY SHERRELL3 | 626 N MAIN ST MULBERRY, AR 72947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $0 | $942 | 3.59% |
| AMY SUSANNE STEED3 | 111 MELROSE DR TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | $18 | $665 | 2.54% |
| JOHN DEASON3 | 3203 ARKANSAS ROAD 9 WEST MONROE, LA 71291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $37 | $406 | 1.55% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE ST MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $26 | $369 | 1.41% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 110 N COLEMAN STREET MABANK, TX 75147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $1 | $194 | 0.74% |
| TEKAYLA WORKS3 | 105 E BROAD ST TEXARKANA, AR 71854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $24 | $190 | 0.72% |
| DANIEL GRIFFON3 | 2311 AMALIE DRIVE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $79 | $107 | 0.41% |
| SHAWN DELLINGER3 | 1705 GREENWOOD DR QUEEN CITY, TX 75572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $6 | $100 | 0.38% |
| AHNE BENEFIT SOLUTIONS LLC3 | 206 PEBBLE CREEK CIRCLE TEXARKANA, TX 75501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $31 | $99 | 0.38% |
| GCS COMPANIES OF MONROE LLC3 Filed as: GCS COMPANIES OF MONROE | 1014 EMERSON ST MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $34 | $62 | 0.24% |
| WHITNEY NICOLE JOHNSON3 | 2631 PLUM GROVE ROAD PIONEER, LA 71266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $5 | $56 | 0.21% |
| STUART DUNKLE3 | 7316 GLEN HEATHER DRIVE PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $7 | $21 | 0.08% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $11 | $20 | 0.08% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.06% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | SUPERIOR VISION PLAN OF TEXAS | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 36-2739571 INSURANCE AGENCY | Insurance agents and brokers; Insurance services Service code 22 | 22703 NETWORK PLACE CHICAGO, IL 606731227 | $31K |
| COLONIAL LIFE AND ACCIDENT INS CO EIN 57-0144607 INSURANCE AGENCY | Insurance services; Insurance agents and brokers Service code 22 | PO BOX 1365 COLUMBIA, SC 62049 | $21K |
| METROPOLITAN LIFE INSURANCE COMPANY INSURANCE AGENCY | Insurance agents and brokers; Insurance services Service code 22 | 501 U S HIGHWAY 22 2ND FLOOR - WEST BRIDGEWATER, NJ 08807 | $15K |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $998K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $134K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 82 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $134K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.