| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S, STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $136K | $15K | $151K | 12.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S, STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | P O BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | -$62K | $2K | -$60K | -5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $54 | $14K | 12.01% |
| BENEITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $666 | $8K | 7.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | — | $736 | $736 | 0.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC | P O BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $40 | $46 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $54 | $12K | 13.05% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $581 | $8K | 8.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | — | $640 | $640 | 0.68% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | P O BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | -$14 | $38 | $24 | 0.03% |
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 | 3,232 | 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) | 3,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,068 | $208K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,232 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,232 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,232 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,232 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,232 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,232 | — |
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.