| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $31K | $31K | 5.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.65% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | UNKNOWN ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 12.24% |
| LOCKTON COMPANIES, LLC4 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 17.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $516 | $0 | $516 | 2.84% |
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 | 829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,501 | $559K |
| Vision | VISION SERVICE PLAN | 671 | $103K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 829 | $526K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 829 | $526K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 829 | $526K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 871 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.