| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA INC. | UNKNOWN SUMNER, TX 75486 | BLUECROSS BLUESHIELD OF TEXAS | $37K | $0 | $37K | 4.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | UNKNOWN SUMNER, TX 75486 | BLUECROSS BLUESHIELD OF TEXAS | $6K | $3K | $9K | 1.06% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | ONEAMERICA | $1K | $0 | $1K | 7.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | UNKNOWN DALLAS, TX 75240 | ONEAMERICA | $411 | -$13 | $398 | 2.58% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA INC. | 2190 NORTH LOOP WEST, SUITE 309 HOUSTON, TX 77018 | DEARBORN LIFE INSURANCE COMPANY | $791 | $0 | $791 | 7.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $185 | $0 | $185 | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 22.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 22.50% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA INC. | 400 TEXAS STREET, SUITE 100 SHREVEPORT, LA 71101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.35% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 354 | $850K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 354 | $850K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 188 | $10K |
| Life insurance | ONEAMERICA | 477 | $15K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 286 | $10K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 354 | $850K |
| Other(2 contracts, 2 carriers) | ONEAMERICA | 477 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.