| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 HOUSTON, TX 77027 | BLUE CROSS BLUE SHIELD OF TEXAS | $110K | $1K | $112K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 418 EAST TYLER AVENUE, SUITE B HARLINGEN, TX 78550 | THE GUARDIAN LIFE INSURANCE COMPANY | $26K | $11K | $37K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.44% |
| HOWARD S. HANGER3 | 13355 NOEL ROAD SUITE 1100 DALLAS, TX 75240 | STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 15.69% |
| HOWARD S. HANGER3 | 13355 NOEL ROAD, SUITE 1100 DALLAS, TX 75240 | STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.23% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 584 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 370 | $376K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 370 | $376K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 370 | $518K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 367 | $142K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 584 | $3.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 370 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.