| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVEREST FUNERAL PACKAGE LLC5 | 1300 POST OAK BLVD. SUITE 1210 HOUSTON, TX 770503163 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $16K | $16K | 1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $15K | — | $15K | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $6K | — | $6K | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan Service code 50 | — | $15K |
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 | 38,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,548 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 40,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 34,382 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,382 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.