| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF TEXAS | $115K | — | $115K | 3.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $16K | 5.24% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $807 | — | $807 | 0.27% |
| LIL JENWALL-KANE DBS THE FIN PR3 Filed as: LIL JENWALL-KANE DBA FIN. PROC. GRP | 8140 N. MOPAC - BLDG 1-SUITE 230 AUSTIN, TX 78759 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 4.08% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC | $610 | — | $610 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY -SUITE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.84% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-19TH FL NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $467 | — | $467 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $235 | $235 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY-SUITE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.59% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-19TH FL NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $482 | — | $482 | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $206 | $206 | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.11% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $579 | — | $579 | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $159 | $159 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY - SUITE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.60% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-19TH FL NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $396 | — | $396 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $98 | $98 | 0.35% |
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 | 431 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 793 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $301K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $301K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $65K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $40K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 793 | $3.3M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.