| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONGMONT GROUP INC DBA THE PADON CO3 Filed as: LONGMONT GROUP INC DBA THE PAD | 5321 LONGMONT DR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $166K | $12K | $178K | 10.42% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| LONGMONT GROUP INC DBA THE PADON CO3 | 5321 LONGMONT DR HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $4K | $23K | 6.73% |
| PADON, MICHAEL, FRANCIS3 Filed as: PADON, MICHAEL FRANCIS | 5321 LONGMONT DRIVE HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 3.66% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 1.38% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DERECO RD STE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $184 | $374 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING EXB | P.O BOX 905494 CHARLOTTE, NC 282905494 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PADON, MICHAEL, FRANCIS3 Filed as: PADON, MICHAEL F | 5321 LONGMONT DRIVE HOUSTON, TX 77056 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 3.94% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING BENEFITS | DEPT 3042, PO BOX 123042 DALLAS, TX 753123042 | METLIFE | $11K | — | $11K | 6.00% |
| PADON, MICHAEL, FRANCIS3 Filed as: PADON, MICHAEL FRANCIS | 5321 LONGMONT DRIVE HOUSTON, TX 77056 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 10.07% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK WILLIAM. TBG WES | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $527 | $2K | 3.45% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $1K | $1K | 1.74% |
| LONGMONT GROUP INC DBA THE PADON CO3 Filed as: LONGMONT GROUP INC DBA THE PAD | 5321 LONGMONT DR HOUSTON, TX 77056 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $825 | $825 | 1.37% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | FEDERAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | FEDERAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 200 E. RANDOLPH, 9TH FLOOR CHICAGO, IL 60601 | FEDERAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $416K |
| LYRA HEALTH, INC. EIN 47-2935915 NONE | Direct payment from the plan; Other services Service code 49 | — | $96K |
| LYRA CLINICIAL ASSOCIATES P.C. EIN 47-5645538 NONE | Direct payment from the plan; Other services Service code 49 | — | $60K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $52K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Plan Administrator Service code 14 | — | $7K |
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 | 1,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METLIFE | 16 | $179K |
| Dental | METLIFE | 16 | $179K |
| Vision | VISION SERVICE PLAN INSURANCE CO | 945 | $125K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 220 | $396K |
| Long-term disability(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,189 | $2.3M |
| Other | FEDERAL AMERICAN INSURANCE COMPANY | 1,191 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,191 | — |
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.