| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2333 TOWN CENTER DRIVE SUITE 200 SUGARLAND, TX 77478 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.80% |
| RAIALIFE PARTNERS PC3 | 510 BERING STE 490 HOUSTON, TX 77057 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 1076 HIGLAND COLONY PARKWAY STE 300 RIDGELAND, MS 39157 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.75% |
| THE DALLAS GRTR TEXAS AGY3 | 15303 DALLS PKWY ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.05% |
| WEALTH DESIGN GROUP, LLC3 | 3040 POST OAK BLVD HOUSTON, TX 77056 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.92% |
| NICHOLAS J RAIA3 | 510 BERING STE 490 HOUSTON, TX 77057 | STANDARD INSURANCE COMPANY | $515 | — | $515 | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $236 | — | $236 | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S #1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $147 | — | $147 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IA 60006 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $525 | — | $525 | 6.16% |
| RAIALIFE PARTNERS PC3 | 510 BERING STE 490 HOUSTON, TX 77057 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $327 | — | $327 | 3.84% |
| WOODFOREST FINANCIAL SERVICES INC3 | 1330 LAKE ROBBINS RD #150 THE WOODLANDS, TX 77380 | ALLSTATE | $694 | — | $694 | 9.53% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | ALLSTATE | $187 | — | $187 | 2.57% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TEXAS BLUE CROSS BLUE SHIELD INSURANCE COMPANY | 0 | $0 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $71K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 73 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $13K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 106 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.