| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN LIFE INUSURANCE COMPANY | $542K | $83K | $625K | 10.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | ZURICH AMERICAN LIFE INUSURANCE COMPANY | $96K | $0 | $96K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76K | $0 | $76K | 7.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72K | $0 | $72K | 7.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | $0 | -$2K | -0.24% |
| VIDAL & RODRIGUEZ3 | UNKNOWN BATON ROUGE, LA 70808 | TRIPLE S SALUD, INC. | $15K | $0 | $15K | 5.00% |
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 | 9,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 37 | $291K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 885 | $412K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 7,176 | $484K |
| Life insurance | ZURICH AMERICAN LIFE INUSURANCE COMPANY | 10,163 | $5.8M |
| Short-term disability | ZURICH AMERICAN LIFE INUSURANCE COMPANY | 10,163 | $5.8M |
| Long-term disability | ZURICH AMERICAN LIFE INUSURANCE COMPANY | 10,163 | $5.8M |
| Prescription drug | TRIPLE S SALUD, INC. | 37 | $291K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN LIFE INUSURANCE COMPANY | 10,163 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,163 | — |
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.