| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC HOUSTON | DEPT 123042 PO BOX 843844 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $896 | $896 | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S MOORLAND RD PO BOX 510925 NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $38 | $38 | 0.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC HOUSTON | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $481 | $481 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S MOORLAND RD PO BOX 510925 NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19 | $19 | 0.06% |
| TRUSS, LLC3 | STE 500 9200 WARD PARKWAY KANSAS CITY, MO 64114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $962 | — | $962 | 3.41% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $724 | $48 | $772 | 2.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC HOUSTON | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $724 | $32 | $756 | 2.68% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 110 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $56K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 133 | $141K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.