| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMAIR MULOCK CONDON CO3 Filed as: LAMAIR MULOCK CONDON COMPANY | 4200 UNIVERSITY AVE. #200 WEST DES MOINES, IA 50266 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 3.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | 7600 N CAPITAL OF TX HWY #B200 AUSTIN, TX 78731 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$9 | — | -$9 | -0.00% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE #200 WEST DES MOINES, IA 502665945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $558 | $8K | 8.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $127 | $2K | 1.96% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $5K | $38K | 43.91% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE #200 WEST DES MOINES, IA 502665945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $535 | $8K | 9.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $774 | $58 | $832 | 1.02% |
| LAMAIR MULOCK CONDON CO3 | 4200 UNIVERSITY AVE #200 WEST DES MOINES, IA 502665945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $386 | $8K | 12.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $68 | $1K | 2.28% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $5K | $24K | 43.91% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $872 | — | $872 | 1.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - DALLAS SER | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.06% |
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 | 867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $302K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $302K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $199K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $93K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.