| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $24K | $67K | $91K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | — | $59K | 9.67% |
| BRANDON R ROYCE3 | 29 CRAFTS SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 2.20% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 1.78% |
| MARICIO R PLATT3 | 884 UNION STATION PARKWAY APARTMENT 1206 LEWISVILLE, TX 75057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.81% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.75% |
| MAURICIO R PLATT3 | 4004 CRESTWOOD DRIVE CARROLLTON, TX 75007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.74% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.62% |
| JOEL B KARAS3 Filed as: JOEL BE KARAS | SHANLEY STREET BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.53% |
| AARON J CASTRO3 | 3320 WOODBLUFF LANE MCKINNEY, TX 75071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.33% |
| ARI JOSEPH WEXLER3 Filed as: ARI J WEXLER | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| LOGAN CHEADLE3 | 433 LAS COLINAS BOULEVARD EAST SUITE 1150 IRVING, TX 75039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| WESTERMAYER AND ASSOCIATES LLC3 | 14901 QUORUM ROAD ADDISON, TX 75254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $872 | — | $872 | 0.14% |
| JEFFREY S BLOCKER3 | 2 CENTRAL STREET FRAMINGHAM, MA 01701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | — | $665 | 0.11% |
| CARLES ANTONELL GRIERA3 | 4926 MISSION AVENUE UNIT 2311 DALLAS, TX 75206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | — | $521 | 0.09% |
| RICHARD W WESTERMAYER3 | 1501 LYNDON B JOHNSON FREEWAY SUITE FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | — | $519 | 0.09% |
| BRIAN G DILL3 | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | — | $328 | 0.05% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.05% |
| MAURICIO R PLATT3 | 4004 CRESTWOOD DRIVE CARROLLTON, TX 75007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | — | $282 | 0.05% |
| MEGAN J KLASI3 | 104 COTTS DRIVE NORTH SIOUX CITY, SD 57049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | — | $281 | 0.05% |
| DIANA C PETRIK3 | 4309 CANNOCK DRIVE MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 0.04% |
| DIANA C PETRIK3 | 4309 CANNOCK DRIVE MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.04% |
| SARA BRITA3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.04% |
| SARA E BRITA3 | 2917 GREYTHORNE COURT FORT WAYNE, IN 46814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DRIVE LANCASTER, TX 75146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.02% |
| PATRICIA R ALDAPE3 | 5540 CREEKRIDGE DRIVE ARLINGTON, TX 76018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.02% |
| DARREN J FERNER3 | 301 BOBWHITE CIRCLE DAKOTA DUNES, SD 57049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.02% |
| DAVID M COUGHLIN3 Filed as: DAVID M COULGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.02% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.01% |
| TIA TEN NAPEL3 | 29055 JET ROAD LE MARS, IA 51031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.01% |
| MELISSA S SHNIDER3 | 3000 WOLF CREEK WAY BURLINGTON, KY 41005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.01% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE LILIES | 305 REGENCY PARKWAY #605 MANSFIELD, TX 76063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.01% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.01% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN D BESWARICK | 220 INSURANCE DRIVE SUITE A FT WAYNE, IN 46825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.01% |
| PATRICIA R ALDAPE3 | 5540 CREEKRIDGE DRIVE ARLINGTON, TX 76018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DRIVE LANCASTER, TX 75146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| TRAVIS P LEBLANC3 | 255 RAINBOW DRIVE #NO15586 LIVINGSTON, TX 77399 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| TMBG INC3 Filed as: TMBG, INC. | 38 MYRTLE STREET BELMONT, MA 02478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 4939 HAWTHOR NORTHEAST DRIVE DES MOINES, IA 50265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHOR NORTHEAST AVENUE CARROLL, IA 51401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: MORGAN GALLAGHER | 4939 HAWTHOR NORTHEAST DRIVE DES MOINES, IA 50265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| CATHY ZESCH HOWELL3 Filed as: CATHY Z HOWELL | 365 LEO AVENUE SHREVEPORT, LA 71105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| CARLA CARR3 Filed as: CARLA R CARR | PO BOX 176603 FT MITCHELL, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| KACY A GRUENKEMEYER3 | 20 CHEROKEE BOULEVARD #306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH STREET CARROLL, IA 51401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| TERRELL & COMPANY INC3 Filed as: TERRELL & COMPANY, INC. | 5900 SARATOGA ROAD SUITE 7 ASBURY, IA 52002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DAVID E CIAMPOLI3 | 1204 BIG OAK DRIVE ALMA, AR 72921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| TRACI LEBLANC3 | 255 RAINBOW DRIVE NO 15586 LIVINGSTON, TX 77399 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KELCEY KRINGS3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| TERESA M ANTHONY3 | 3778 RIVERSIDE DRIVE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | FEDERAL INSURANCE COMPANY | — | $262 | $262 | 3.38% |
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 | 2,561 | 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) | 2,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 1,495 | $111K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,573 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,573 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,573 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 3,012 | $11.6M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,573 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,012 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.