| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVE STE 2700 MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $102K | $0 | $102K | 17.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $29K | $29K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVE STE 2700 MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $46K | $0 | $46K | 17.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $13K | $13K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVE STE 2700 MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $40K | $0 | $40K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE STE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 4.98% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 12.36% |
| BRUCE A. SAMMIS3 Filed as: BRUCE A SAMMIS | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.67% |
| WESTON BRYAN3 | 4816 ALLENCREST LN DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $652 | $0 | $652 | 1.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Non-monetary compensation; Direct payment from the plan; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $629K |
| EVERNORTH BEHAVIORAL HEALTH, INC EIN 41-1648670 ADMINISTRATOR | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $10K |
| COSMAL, 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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 971 | $614K |
| Life insurance | STANDARD INSURANCE COMPANY | 498 | $582K |
| Short-term disability | STANDARD INSURANCE COMPANY | 18 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 498 | $260K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 971 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.