| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $50K | $51K | $101K | 7.75% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC. | 9875 KATY FWY STE 150 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $94K | — | $94K | 7.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | — | $45K | 3.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $30K | $30K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 0.48% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSUR ADVISORS INC. | 560 S. 300 E STE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 0.28% |
| LAUREN ALYCE WELCH3 | 6085 PINKSTAFF LN BEAUMONT, TX 77706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 6.23% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC. | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | — | $42K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W. 4TH AVENUE STE 400 ANCHORAGE, AA 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 2.56% |
| LAURA NELLY TORRES3 | 7795 SUMMER WIND DR. BEAUMONT, TX 77713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KIMBERLY MARIE BROWN TAMBERELLA | INSURELIFE INSURANCE AGENCY BRIDGE CITY, TX 77611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.26% |
| KAREN J MCDONALD3 Filed as: KAREN JEANNETTE MCDONALD | 1008 GENE DR LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 1.05% |
| ERIK PAUL RATCLIFF3 Filed as: ERIK P. RATCLIFF | 110 STEPHENS LN. LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.86% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N. CENTRAL EXPRESSWAY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.69% |
| JENNILEA SUMER CHASE3 | 300 ENGINEERS PASS JARRELL, TX 76537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.56% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DR NE STE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.20% |
| CRYSTAL LANELL GALLIER3 | 525 SARGENT ST. APT D. VIDOR, TX 77662 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.20% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N. CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $613 | — | $613 | 0.08% |
| ADDISON MARIE STIELZ3 | 8945 LOADING DOCK RD SILSBEE, TX 77656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $564 | — | $564 | 0.08% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DR. NE STE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $526 | — | $526 | 0.07% |
| MICHELLE WEEKS RHODES3 | 9358 FM 256 E COMESNEIL, TX 75938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $496 | — | $496 | 0.07% |
| ASHLEY FLORES3 | 6582 WASHINGTON ST. GROVES, TX 77619 | CONTINENTAL AMERICAN INSURANCE COMPANY | $486 | — | $486 | 0.07% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N. CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 0.06% |
| LYSSA SUE GOLMON3 | PO BOX 8111 LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.03% |
| ERNEST L KOCH3 | 7 BRIARHILL LN LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.01% |
| MECHILLE D. STINNETT3 | 688 TX STATE HGIHWAY 62 BUNA, TX 77612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.01% |
| HALEY MILEY PATE3 | 18179 LH 10 NO 7 BEAUMONT, TX 77705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.01% |
| HANNAH JEAN TOLAR3 | 242 CR 4850 SPURGER, TX 77660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| GBS BENEFITS INC3 Filed as: GBS HOUSTON INC | 9575 KATY FWY STE 150 HOUSTON, TX 77024 | FIRST STOP HEALTH, LLC | $5K | — | $5K | 9.18% |
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 | 817 | 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) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 753 | $1.3M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 753 | $1.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 753 | $1.3M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 753 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 820 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.