| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $13K | $60K | $73K | 1.88% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 9.48% |
| IPS ADVISORS3 | 8080 NORTH CENTRAL EXPRESSWAY DALLAS, TX 75206 | CENTRAL UNITED LIFE INSURANCE COMPANY | $627 | — | $627 | 5.00% |
| BENEFIT RESEARCH CORPORATION3 Filed as: BENEFIT RESEARCH CORP. | 702 SOUTH DENTON TAP ROAD SUITE 100 COPPELL, TX 75019 | CENTRAL UNITED LIFE INSURANCE COMPANY | $213 | — | $213 | 1.70% |
| BENEFIT RESEARCH CORPORATION3 Filed as: BENEFIT RESEARCH CORP. | 5800 CAMPUS CIRCLE DRIVE EAST SUITE 20 IRVING, TX 75063 | CENTRAL UNITED LIFE INSURANCE COMPANY | $205 | — | $205 | 1.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $43 | $2K | 15.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCES | 4851 LYNDON B JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $474 | $226 | $700 | 6.40% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $176 | $176 | 1.61% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | AETNA BEHAVIORAL HEALTH, LLC | $754 | — | $754 | 8.00% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 695 | $3.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 810 | $389K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 810 | $389K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 695 | $3.9M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 695 | $3.9M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 695 | $3.9M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 695 | $3.9M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 695 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.