| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $107 | $107 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 818 TOWN AND COUNTRY BOULEVARD SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.00% |
| INSGROUP INC3 Filed as: INSGROUP INS | 5151 SAN FELIPE STREET, 24TH FLOOR HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.00% |
| DEANNA LYLES4 | 11230 CEDAR DRIVE MABANK, TX 75156 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 4.80% |
| W. WILLIAM WORNARDT III4 Filed as: WILLIAM WORNHARDT | 7707 TIBURON TRAIL SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 4.80% |
| PATRICIA A. BOLLI4 Filed as: PATRICIA BOLLI | PO BOX 603 BURWELL, NE 68823 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 2.47% |
| DON R. WILSON4 Filed as: DON WILSON | 146 RAINBOW DRIVE LIVINGSTON, TX 77399 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 1.52% |
| L-K MARKETING GROUP, LLC4 Filed as: L-K MARKETING GROUP LLC | PO BOX 8072 WACO, TX 76714 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 1.16% |
| PROPER CARE4 | 10229 S RIVER TRAIL KNOXVILLE, TN 37922 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $945 | — | $945 | 0.94% |
| KATHERINE AARON4 | 106 EAGLE HORSESHOE BAY, TX 78657 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $50 | $0 | $50 | 0.05% |
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 | 2,546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,283 | $818K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,047 | $169K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,546 | $1.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,546 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,546 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,546 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,546 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.