| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH & LIFE INSURANCE CO | $0 | $39K | $39K | 4.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (DUNNING) | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH & LIFE INSURANCE CO | $12K | $0 | $12K | 1.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $82K | $0 | $82K | 15.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $23K | $23K | 4.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 15.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 4.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $42K | $0 | $42K | 22.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 4.99% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 16.43% |
| BRUCE A. SAMMIS3 Filed as: BRUCE A SAMMIS | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 11.08% |
| WESTON BRYAN3 | 4816 ALLENCREST LN DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $612 | $0 | $612 | 2.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $532 | $0 | $532 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR | Other services; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $451K |
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 ADMINISTRATOR | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $10K |
| COMSAL, INC. DBA TAXSAVER PLAN EIN 75-1761182 ADMINISTRATOR | Claims processing Service code 12 | — | $4K |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH & LIFE INSURANCE CO | 973 | $863K |
| Life insurance | STANDARD INSURANCE COMPANY | 495 | $531K |
| Short-term disability | STANDARD INSURANCE COMPANY | 17 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 495 | $210K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE CO | 973 | $863K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.