| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE & ACCIDENT | $0 | $58K | $58K | 4.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE & ACCIDENT | $28K | $0 | $28K | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE & ACCIDENT | $0 | $12K | $12K | 0.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | HARTFORD LIFE & ACCIDENT | $352 | $0 | $352 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | ATTN ACCOUNTING 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE & ACCIDENT | $278 | $0 | $278 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 12.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $141 | $141 | 0.11% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,422 | $688K |
| Vision | VISION SERVICE PLAN | 812 | $124K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 2,044 | $1.4M |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 2,044 | $1.2M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 2,044 | $1.2M |
| Other | HARTFORD LIFE & ACCIDENT | 2,044 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,422 | — |
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."
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.