| 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 | $14K | $86K | $100K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEDWS, IL 600084050 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $63 | $5K | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $966 | $63 | $1K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $684 | $684 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| CAROLYN R POPE3 | 1614 CREEK BANK LN ARLINGTON, TX 76014 | AFLAC | $2K | $58 | $2K | 3.98% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR. D LANCASTER, TX 75146 | AFLAC | $1K | $25 | $1K | 2.59% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $929 | $20 | $949 | 1.71% |
| ANGELIQUE N LILES3 | 9101 HURON AVE LUBBOCK, TX 79424 | AFLAC | $374 | — | $374 | 0.68% |
| CHRISTOPHER JOHNSON3 | 2208 LANDMARK CT APT 101 ARLINGTON, TX 76013 | AFLAC | $220 | — | $220 | 0.40% |
| DONNA D LASKOSKIE3 Filed as: DONNA LASKOSKIE | 4515 WILDWOOD CIR GRANBURY, TX 76049 | AFLAC | $182 | — | $182 | 0.33% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $134 | — | $134 | 0.24% |
| CHRISTOPHER KOEHLER3 | 4301 WESTSIDE DR STE 200 DALLAS, TX 75209 | AFLAC | $114 | — | $114 | 0.21% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 9191 N 117TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $114 | — | $114 | 0.21% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 2523 CREEK DR GRANBURY, TX 76048 | AFLAC | $92 | — | $92 | 0.17% |
| GARY WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $69 | — | $69 | 0.12% |
| FRANCISCO J LARA3 Filed as: FRANCISCO LARA | 2735 WESTERN HILLS DR LANDCASTER, TX 75146 | AFLAC | $46 | $19 | $65 | 0.12% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $38 | — | $38 | 0.07% |
| STACY MASSI3 | 714 CRANFIELD CT KATY, TX 77450 | AFLAC | $28 | — | $28 | 0.05% |
| JUDY L EDWARDS3 Filed as: JUDY EDWARDS | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $23 | — | $23 | 0.04% |
| JOHN M JOHNSON3 Filed as: JOHN OHNSON | 2150 NORTHWEST HWY Y STE 114 GRAPEVINE, TX 76051 | AFLAC | $22 | — | $22 | 0.04% |
| STEPHEN MASSI3 | 714 CRANFIELD CT KATY, TX 77450 | AFLAC | $15 | — | $15 | 0.03% |
| BRIDGE ALDAPE3 | 5540 CREEKRIDGE DR ARLINGTON, TX 76018 | AFLAC | $14 | — | $14 | 0.03% |
| KATHY JOHNSON3 | 4600 N 5TH STT MCALLEN, TX 78504 | AFLAC | $13 | — | $13 | 0.02% |
| TODD A STULL3 Filed as: TODD STULL | 3000 E DIVISION ST STE A SPRINGFIELD, MO 65802 | AFLAC | $8 | — | $8 | 0.01% |
| DNIEL TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $8 | — | $8 | 0.01% |
| MICHELLE HAYES3 | PO BOX 150781 ARLINGTON, TX 76015 | AFLAC | $6 | — | $6 | 0.01% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIIAN DR CARROLLTON, TX 75006 | AFLAC | $5 | — | $5 | 0.01% |
| JASON ROBERTS3 | 2325 WHITMAN LN FLOWER MOUND, TX 75028 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS G MONTGOMERY3 Filed as: THOMAS MONTGOMERY | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $5 | — | $5 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $3 | — | $3 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCREARY JR | 717 BOSLEY DR FATE, TX 75087 | AFLAC | $3 | — | $3 | 0.01% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $3 | — | $3 | 0.01% |
| T HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $2 | — | $2 | 0.00% |
| KATHERINE A OWEN3 Filed as: KATHERINE OWEN | 1924 ANTWERP AVE APT 103 PLANO, TX 75025 | AFLAC | $1 | — | $1 | 0.00% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $1 | — | $1 | 0.00% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $0 | — | $0 | 0.00% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 410 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $56K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $112K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $56K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.