| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFIT SOLUTIONS3 | 1800 WEST LOOP S, STE 2115 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $6K | $36K | 17.79% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.59% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1800 WEST LOOP S, STE 2115 HOUSTON, TN 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 14.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 4635 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.77% |
| ANNA J KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $696 | $0 | $696 | 1.15% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE STE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $499 | $0 | $499 | 0.82% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: GWYNNETH H RUTHERFORD | 903 HAWTHORNE ST HOUSTON, TX 77006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.18% |
| JOHN J NOBLE3 | 1602 RUTH ST HOUSTON, TX 77004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.12% |
| ZANE ALLMAN3 Filed as: ZANE M ALLMAN | 10210 BLACK FOREST CT CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.06% |
| ALLISON M PALACIOS3 | 15319 HICKORY DALE ST CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1800 WEST LOOP S STE 2115 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $582 | $582 | 1.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | AFLAC | $0 | $0 | $0 | — |
| CHRISTOPHER T KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | AFLAC | $0 | $0 | $0 | — |
| ANA J KELLY3 | 2040 NORTH LOOP W, STE 12 HOUSTON, TX 77018 | AFLAC | $0 | $0 | $0 | — |
| ALLISON M PALACIOS3 | 15319 HICKORY DALE ST CYPRESS, TX 77429 | AFLAC | $0 | $0 | $0 | — |
| ZANE ALLMAN3 | 10210 BLACK FOREST CT CONROE, TX 77385 | AFLAC | $0 | $0 | $0 | — |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 303 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $124K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 267 | $454K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 303 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.