| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | SIX DESTA DRIVE, STE 5900 MIDLAND, TX 79705 | DEARBORN NATIONAL | $10K | $0 | $10K | 7.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN NATIONAL | $0 | $8K | $8K | 5.93% |
| KATHY J CHURCHILL3 | 5463 JUNIPER CT. MIDLAND, TX 79707 | DEARBORN NATIONAL | $7K | $0 | $7K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUE CROSS BLUE SHIELD OF TEXAS | $8K | $0 | $8K | 8.20% |
| KATHY J CHURCHILL3 | 5463 JUNIPER CT. MIDLAND, TX 79707 | BLUE CROSS BLUE SHIELD OF TEXAS | $5K | $0 | $5K | 5.38% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AGENTS (SEE ATTACHED) | 1932 WYNNTON RD. COLUMBUS, GA 31999 | AFLAC | $6K | $57 | $6K | 12.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $520 | $4K | 14.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD RD. 4 RADNOR CORPORATE CTR, STE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.03% |
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 | 277 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 358 | $126K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $28K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL | 336 | $180K |
| Short-term disability | AFLAC | 48 | $45K |
| Long-term disability | DEARBORN NATIONAL | 336 | $134K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL | 336 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.