| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY CHAPMAN HOLLAND & ASSOCIATES | INC 10055 W GULF BANK RD HOUSTON, TX 770403119 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY CHAPMAN HOLLAND & ASSOCIATES | 10055 WEST GULF BANK HOUSTON, TX 77040 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY CHAPMAN HOLLAND & ASSOC | 10055 W GULF BANKWEST #200 HOUSTON, TX 77040 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 13.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY CHAPMAN HOLLAND & ASSOCI | 10055 W GULF BANK HOUSTON, TX 77040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY CHAPMAN HOLLAND & ASSOCI | 10055 W GULF BANK HOUSTON, TX 77040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $621 | — | $621 | 20.01% |
| PATRICIA A. BOLLI4 Filed as: PATRICIA A BOLLI | PO BOX 603 BURWELL, NE 68823 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $250 | — | $250 | 12.43% |
| DEANNE LYLES4 | 3522 CYPRESS LANDING CT ROSENBERG, TX 77471 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $123 | — | $123 | 6.11% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $990K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $197K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $197K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $197K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $197K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $197K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.