| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD SECURITY LIFE INSURANCE COMPANY | $29K | — | $29K | 9.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 3400 KANSAS CITY, MO 64112 | AMERITAS | $12K | — | $12K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.5 | 11910 ANDERSON MILL ROAD, SUITE 401 AUSTIN, TX 78726 | AMERITAS | $583 | — | $583 | 0.50% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD SECURITY LIFE INSURANCE COMPANY | 404 | $297K |
| Dental | AMERITAS | 406 | $117K |
| Life insurance | STANDARD SECURITY LIFE INSURANCE COMPANY | 404 | $297K |
| Short-term disability | STANDARD SECURITY LIFE INSURANCE COMPANY | 404 | $297K |
| Other | STANDARD SECURITY LIFE INSURANCE COMPANY | 404 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.