| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCTK SERVICES LLC3 | 1309 RIDGE RD. STE 200 ROCKWALL, TX 75087 | UNITED HEALTHCARE INSURANCE COMPANY | $988K | $0 | $988K | 2.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $427K | $55 | $427K | 6.48% |
| TCTK SERVICES LLC3 | 1309 RIDGE RD. STE 200 ROCKWELL, TX 75087 | METROPOLITAN LIFE INSURANCE COMPANY | $290K | $0 | $290K | 4.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $0 | $52K | 0.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27K | $27K | 0.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $26K | $26K | 0.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 12342 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST. SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.05% |
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 | 15,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 6,389 | $39.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 15,710 | $6.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 15,710 | $6.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,710 | $6.6M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,710 | $6.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,710 | $6.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,710 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,710 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.