| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | SIX DESTA DR, STE 5900 MIDLAND, TX 79705 | BLUE CROSS BLUE SHIELD OF TEXAS | $42K | $2K | $44K | 3.19% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3933 ELM ST. DALLAS, TX 75226 | BLUE CROSS BLUE SHIELD OF TEXAS | $8K | $0 | $8K | 0.62% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AGENTS (SEE ATTACHMENT) | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $15K | $594 | $16K | 15.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6 DESTA DR., STE 5900 MIDLAND, TX 79705 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD., STE 1000 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $858 | $858 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | SIX DESTA DRIVE, STE 5900 MIDLAND, TX 79705 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.65% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 218 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $75K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $75K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 144 | $135K |
| Short-term disability | AFLAC | 103 | $103K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 144 | $135K |
| Other(2 contracts, 2 carriers) | AFLAC | 144 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.