| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $178K | $116K | $294K | 15.11% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC HEALTH & BENEFIT | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $178K | $105K | $283K | 14.55% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 2.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $3K | $35K | 11.62% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC HEALTH & BENEFIT | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $2K | $34K | 11.33% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PREMIER INSURANCE MGT SERVICES INC3 | 12707 HIGH BLUFF DR, SUITE 140 SAN DIEGO, CA 92130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $831 | — | $831 | 6.23% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC HEALTH & BENEFIT | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $831 | — | $831 | 6.23% |
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 | 1,928 | 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) | 1,932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 3,099 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,825 | $202K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,028 | $2.2M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,468 | $302K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,028 | $1.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,028 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,099 | — |
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.