| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 13.07% |
| HEATHER D MCFARLAND3 Filed as: HEATHER D. MCFARLAND | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 3.44% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.45% |
| HEATHER D MCFARLAND3 Filed as: HEATHER MCFARLAND AND DIANE BAGWELL | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 16.85% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $11K | 8.57% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT COMMUNICATIONS, INC. | 360B QUALITY CIRCLE NW, SUITE 220 HUNTSVILLE, AK 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 7.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $259 | $7K | 5.84% |
| TYLER, GENE, RAYMOND3 | 4550 STATE HWY 360, SUITE 190 GRAPEVINE, TX 76051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.33% |
| BAGWELL, TEARLE, DAVID3 | 360B QUALITY CIRCLE NW, SUITE 220 HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.21% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, SUITE 190 GRAPEVINE, TX 76051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| SELECT NETWORKS3 | 317 6TH AVENUE, #1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 10.99% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| HEATHER D MCFARLAND3 Filed as: HEATHER MCFARLAND AND DIANE BAGWELL | 695 LOVE BRANCH ROAD HARVEST, AL 35749 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.17% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT COMMUNICATIONS INC. | 360B QUALITY CIRCLE NW, SUITE 220 HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $761 | $5K | 10.87% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $479 | $4K | 8.37% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $74 | $2K | 5.47% |
| TYLER, GENE, RAYMOND3 | 4550 STATE HWY. 360, SUITE 190 GRAPEVINE, TX 76051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.99% |
| USB HEALTH LLC3 | 4550 STATE HWY. 360, SUITE 190 GRAPEVINE, TX 76051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49 | — | $49 | 0.11% |
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 | 2,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC. (WELLMARK BCBSIA) | 1,459 | $12.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,042 | $112K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,351 | $534K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,351 | $534K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,351 | $411K |
| Prescription drug | WELLMARK, INC. (WELLMARK BCBSIA) | 1,459 | $12.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,351 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,351 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.