| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | THE STANDARD | $7K | — | $7K | 5.80% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $124 | $7K | 15.25% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $122 | $122 | 0.25% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | THE STANDARD | $5K | — | $5K | 14.03% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | THE STANDARD | $1K | — | $1K | 7.47% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $124 | $3K | 15.76% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41 | $41 | 0.25% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $7K | — | $7K | 50.01% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | — | $3K | 22.10% |
| KIMBERLY K DIXON3 | 8380 WARREN PARKWAY FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | — | $2K | 15.00% |
| JEFFERY M SATTERLEE3 | 100 SUN AVE SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | — | $1K | 7.82% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $556 | — | $556 | 4.25% |
| LORI J THOMPSON3 | 6575 141ST STREET NW RAMSEY, MN 55303 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3 | — | $3 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 CLAIMS ADMIN | Claims processing Service code 12 | — | $98K |
| ROACH HOWARD SMITH & BARTON EIN 75-2760506 BROKER | Other commissions Service code 55 | — | $98K |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD | 144 | $119K |
| Vision | THE STANDARD | 133 | $18K |
| Life insurance | THE STANDARD | 169 | $39K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $49K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $16K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 75 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.