| 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 | GUARDIAN | $47K | — | $47K | 14.56% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | — | $2K | 17.06% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | — | $1K | 10.73% |
| KIMBERLY K DIXON3 | 8380 WARREN PARKWAY FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $235 | — | $235 | 2.11% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPRESSWAY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $168 | — | $168 | 1.51% |
| JEFFERY M SATTERLEE3 | 100 SUN AVE SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $127 | — | $127 | 1.14% |
| LORI J THOMPSON3 | 6575 141ST STREET NW RAMSEY, MN 55303 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $120 | — | $120 | 1.08% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DR. FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $46 | — | $46 | 0.41% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $5 | — | $5 | 0.04% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 257 | $324K |
| Vision | GUARDIAN | 257 | $324K |
| Life insurance | GUARDIAN | 257 | $324K |
| Short-term disability | GUARDIAN | 257 | $324K |
| Long-term disability | GUARDIAN | 257 | $324K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 257 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.