| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS E. POPE3 | 2501 LAKESIDE PARKWAY, SUITE 213 FLOWER MOUND, TX 75022 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $122K | $49K | $171K | 24.58% |
| JASON EVERETT3 Filed as: JASON W. EVERETT | 6 WESTIN CIRCLE CONWAY, AR 72034 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $20K | $8K | $28K | 4.05% |
| MICHELE E. SELLORS3 | 504 TIMBER LAKE DRIVE SOUTHLAKE, TX 76092 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 3.06% |
| KEVIN PETERSON3 Filed as: KEVIN L. PETERSON | 5801 EAST 41ST STREET, SUITE 804 TULSA, OK 74135 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 1.45% |
| STEVEN GAITHER3 Filed as: STEVEN B. GAITHER | 8329 LINDSAY GARDENS THE COLONY, TX 75056 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 1.26% |
| MICHELLE BOURDON3 | 2020 CHOLLA COURT ROYSE CITY, TX 75189 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 1.16% |
| TERRI L. HOGAN3 | 1160 PIANZOLA WAY PROSPER, TX 75078 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 1.01% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 5.35% |
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 | 1,734 | 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) | 1,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,075 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,075 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 1,794 | $908K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 227 | $211K |
| Other(3 contracts, 3 carriers) | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 1,794 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,075 | — |
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.