| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $178K | $0 | $178K | 10.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60K | $33K | $93K | 5.46% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $36K | $36K | 2.12% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM | PO BOX 850411 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $0 | $47K | 8.39% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $23K | $23K | 4.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $10K | $0 | $10K | 5.26% |
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 | 2,562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 201 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,391 | $186K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,562 | $1.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,562 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,562 | $1.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,562 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,562 | — |
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.