| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCTK SERVICES LLC3 | 1309 RIDGE ROAD SUITE 200 DALLAS, TX 750874219 | UNITEDHEALTHCARE INSURANCE COMPANY | $825K | — | $825K | 2.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752017943 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 0.19% |
| TCTK SERVICES LLC3 | 1309 RIDGE ROAD SUITE 200 DALLAS, TX 750874219 | METROPOLITAN LIFE INSURANCE COMPANY | $397K | — | $397K | 5.77% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $236K | $53 | $236K | 3.43% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IA 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $532 | $532 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47 STEET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | -$6K | $52 | -$6K | -0.09% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES INS. | 211 S 23RD STREET PLATTSMOUTH, NE 68048 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.18% |
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 | 4,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,426 | $30.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 16,480 | $6.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 16,480 | $6.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,480 | $6.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,480 | $6.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,480 | $6.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,480 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,480 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.