| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | DALLAS 515 SAN FELIPE SUITE 1800 HOUSTON, TX 77056 | CURATIVE INSURANCE COMPANY | $1.0M | — | $1.0M | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | PO BOX 675382 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | — | $25K | $25K | 2.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 14881 QUORUM DR DALLAS, TX 75254 | BLUECROSS BLUESHIELD OF TEXAS | — | $3K | $3K | 0.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 1.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | DEARBORN LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAKS BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $45K | — | $45K | 25.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 2.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $43K | — | $43K | 25.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $42K | — | $42K | 25.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $5K | $522 | $6K | 10.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4747 WEST 135TH ST SUITE 350 LEAWOOD, KS 66224 | METLIFE LEGAL PLANS | — | $175 | $175 | 0.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | METLIFE LEGAL PLANS | — | $79 | $79 | 0.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | METLIFE LEGAL PLANS | — | $26 | $26 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $707 | $707 | 1.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $653 | $653 | 5.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $55 | $55 | 3.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $19 | $19 | 2.00% |
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 | 4,186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CURATIVE INSURANCE COMPANY | 2,431 | $18.7M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,371 | $2.8M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,137 | $1.9M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 381 | $320K |
| Short-term disability(2 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 242 | $252K |
| Long-term disability(2 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 237 | $110K |
| Prescription drug(2 contracts, 2 carriers) | CURATIVE INSURANCE COMPANY | 2,431 | $17.4M |
| Other(7 contracts, 3 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 4,186 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,186 | — |
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.
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.