| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $4K | $23K | 10.92% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.79% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 2411 SAN ANTONIO, TX 78298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.61% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 401 CONGRESS AVENUE, SUITE 1400 AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 7.32% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.69% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC. | $663 | $115 | $778 | 10.71% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | SAFEGUARD HEALTH PLANS, INC. | — | $199 | $199 | 2.74% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 2411 SAN ANTONIO, TX 78298 | SAFEGUARD HEALTH PLANS, INC. | — | $47 | $47 | 0.65% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 3707 RICHMOND AVENUE, SUITE 330 HOUSTON, TX 77046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $936 | $63 | $999 | 19.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Contract Administrator Service code 13 | — | $267K |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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 |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $219K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $212K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 489 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 489 | $157K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 489 | $157K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 404 | $365K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 525 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.