| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 4.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUST | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $16K | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $897 | $897 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, IN | 2333 TOWN CENTER DR STE 200 SUGAR LAND, TX 77478 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $492 | — | $492 | 0.09% |
| LOCKTON COMPANIES, LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - DALLAS | 2100 ROSS AVE SUITE 1200 DALLAS, TX 752012739 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 770273295 | HUMANA INSURANCE COMPANY | $255 | — | $255 | 0.36% |
| LOCKTON COMPANIES, LLC3 | — | ALPHA DENTAL PROGRAMS, INC. | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYFLEX SYSTEMS USA, INC. TPA | Insurance services Service code 23 | P.O. BOX 2239 OMAHA, NE 68103 | $24K |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 481 | $382K |
| Vision | HUMANA INSURANCE COMPANY | 357 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $541K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $541K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 567 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.