| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN GAITHER3 Filed as: STEVEN B. GAITHER AND OTHER AGENTS | 8329 LINDSAY GARDENS THE COLONY, TX 75056 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $111K | $20K | $132K | 22.69% |
| MICHELE E. SELLORS3 | 504 TIMBER LAKE DRIVE SOUTHLAKE, TX 76092 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 3.36% |
| JASON EVERETT3 Filed as: JASON W. EVERETT | 11113 BARRETT ROAD ROLAND, AR 72135 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 2.97% |
| KEVIN PETERSON3 Filed as: KEVIN L. PETERSON | 5801 EAST 41ST STREET, SUITE 804 TULSA, OK 74135 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | $813 | $9K | 1.56% |
| KENNETH D. KEITH3 | 10009 BODEGA BAY ROAD FORT WORTH, TX 76117 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 1.51% |
| VETA C. MELVIN3 | 2801 RAMSGATE WAY FORT SMITH, AR 72908 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 1.38% |
| JONATHAN RAMOS PAGAN3 | 2950 PAINTED LAKE CIRCLE, SUITE 102 THE COLONY, TX 75056 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 1.25% |
| MIKE A PRIESTLEY3 Filed as: MIKE PRIESTLEY | 3100 SUNVIEW DRIVE SUITE 100 BIRMINGHAM, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.81% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.19% |
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 | 2,221 | 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) | 2,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,640 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,640 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 2,221 | $831K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $250K |
| Other(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 2,221 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,640 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.