| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE STREET, SUITE 320 HOUSTON, TX 77057 | GUARDIAN | $64K | $41K | $105K | 9.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 2086 OLD TAYLOR ROAD, SUITE 202 OXFORD, MS 38655 | GUARDIAN | $45K | $0 | $45K | 3.98% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | AFLAC | $48K | $0 | $48K | 20.11% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AFLAC | $25K | $0 | $25K | 10.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | AFLAC | $5K | $0 | $5K | 2.05% |
| SORIAM CARRILLO MORALES3 | 11260 CHESTER ROAD, SUITE 500 CINCINNATI, OH 45246 | AFLAC | $48 | $0 | $48 | 0.02% |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 722 | $1.1M |
| Vision | GUARDIAN | 722 | $1.1M |
| Life insurance | GUARDIAN | 722 | $1.1M |
| Short-term disability | GUARDIAN | 722 | $1.1M |
| Long-term disability | GUARDIAN | 722 | $1.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 722 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.