| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR. STE 1000 DALLAS, TX 752516222 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $88K | $103K | 4.55% |
| CAROLYN R POPE3 | 1614 CREEK BANK LN ARLINGTON, TX 76014 | AFLAC | $3K | $262 | $3K | 4.59% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR. D LANCASTER, TX 75146 | AFLAC | $2K | $63 | $2K | 3.11% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $1K | $74 | $1K | 1.99% |
| BRUCE E GRIFFIN3 | 3803 MAHONIA WAY STE 1916 ARLINGTON, TX 76014 | AFLAC | $865 | — | $865 | 1.27% |
| ANGELIQUE N LILES3 | 9101 HURON AVE LUBBOCK, TX 79424 | AFLAC | $402 | — | $402 | 0.59% |
| GCG FINANCIAL LLC8 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $216 | $48 | $264 | 0.39% |
| CHRISTOPHER JOHNSON3 | 2208 LANDMARK CT APT 101 ARLINGTON, TX 76013 | AFLAC | $219 | — | $219 | 0.32% |
| FRANCISCO J LARA3 | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $194 | — | $194 | 0.29% |
| DONNA D LASKOSKIE3 | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $176 | — | $176 | 0.26% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIRC FORTH WORTH, TX 76123 | AFLAC | $150 | — | $150 | 0.22% |
| CRISTOPHER KOEHLER3 | 4301 WESTSIDE DR STE 200 DALLAS, TX 75209 | AFLAC | $113 | — | $113 | 0.17% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 9191 N 117TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $109 | — | $109 | 0.16% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 2523 CREEK DR GRANBURY, TX 76048 | AFLAC | $107 | — | $107 | 0.16% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $67 | — | $67 | 0.10% |
| JOSHUA J CONTRERAS3 | 4253 CARLTON WAY APT 1143 IRVINGN, TX 75038 | AFLAC | $56 | — | $56 | 0.08% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLASTON, TX 75234 | AFLAC | $49 | — | $49 | 0.07% |
| STACY MASSI3 Filed as: STACY M MASSI | 714 CRANFIELD CT KATY, TX 77450 | AFLAC | $26 | — | $26 | 0.04% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $25 | — | $25 | 0.04% |
| JUDY L EDWARDS3 | PO BOX 67 GRANBURRY, TX 76048 | AFLAC | $22 | — | $22 | 0.03% |
| BRIDGE ALDAPE3 Filed as: BRIDGE T ALDAPE | 5540 CREEKRIDGE DR ARLINGTON, TX 76018 | AFLAC | $22 | — | $22 | 0.03% |
| KATHY J JOHNSON3 | 4600 N 5TH STT MCALLEN, TX 78504 | AFLAC | $16 | — | $16 | 0.02% |
| STEPHEN MASSI3 | 714 CRANFIELD CT KATY, TX 77450 | AFLAC | $14 | — | $14 | 0.02% |
| DANIEL J TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $7 | — | $7 | 0.01% |
| TODD A STULL3 Filed as: TODD A STULLE | 810 MASON RD STE 102 KATY, TX 77450 | AFLAC | $7 | — | $7 | 0.01% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $6 | — | $6 | 0.01% |
| MICHELE R HAYES3 Filed as: MICHELE HAYES | PO BOX 150781 ARLINGTON, TX 76015 | AFLAC | $6 | — | $6 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $5 | — | $5 | 0.01% |
| JASON ROBERTS3 Filed as: JASON R ROBERTS | 2325 WHITMAN LN FLOWER MOUND, TX 75028 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS G MONTGOMERY3 | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $4 | — | $4 | 0.01% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $4 | — | $4 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY FATE, TX 75087 | AFLAC | $4 | — | $4 | 0.01% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT103 GRANBURY, TX 76048 | AFLAC | $2 | — | $2 | 0.00% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $2 | — | $2 | 0.00% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $54 | $5K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $54 | $1K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $586 | $586 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | — |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 407 | $2.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $0 |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 299 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $0 |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.