| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78750 | BLUECROSS BLUESHIELD OF TEXAS | $101K | $8K | $109K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $9K | $44K | 5.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $4K | $61K | 16.17% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP, INC. | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 89081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 15.35% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 70 NE LOOP, SUITE 410 SAN ANTONIO, TX 78216 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 6.21% |
| JILLETTA RILEY4 | 16 STERN PLACE FORDS, NJ 08863 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $411 | $0 | $411 | 1.90% |
| BOYD FINANCIAL SERVICES LLC4 Filed as: BOYD FINANCIAL SERVICES, LLC | PO BOX 1084 RHINELANDER, WI 54501 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.14% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL, INC. | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.14% |
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 | 675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,416 | $5.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $776K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $776K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 675 | $377K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 675 | $377K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 675 | $377K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,416 | $5.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 675 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,169 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.