| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $13K | $13K | 2.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | AETNA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST UNIVERSITY BOULEVARD SUITE 1-B ODESSA, TX 79762 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4526 EAST UNIVERSITY BOULEVARD SUITE 1-B ODESSA, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 14.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | 0.98% |
| WEALTH DESIGN GROUP, LLC3 | 3040 POST OAK BOULEVARD SUITE 400 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $608 | — | $608 | 9.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 5080 SPECTRUM DRIVE, SUITE 900E ADDISON, TX 75001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $58 | — | $58 | 0.87% |
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 | 68 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 108 | $469K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 81 | $7K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 108 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.