| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $14K | $54K | $68K | 1.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | — | $273 | $273 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $8K | $49K | 11.70% |
| IPS ADVISORS3 | 8080 NORTH CENTRAL EXPRESSWAY SUITE 100 COPPELL, TX 75206 | CENTRAL UNITED LIFE INSURANCE COMPANY | $319 | — | $319 | 2.54% |
| IPS ADVISORS3 | 8080 NORTH CENTRAL EXPRESSWAY SUITE 150 COPPELL, TX 75206 | CENTRAL UNITED LIFE INSURANCE COMPANY | $308 | — | $308 | 2.45% |
| BENEFIT RESEARCH CORPORATION3 | 702 SOUTH DENTON TAP ROAD SUITE 100 COPPELL, TX 75019 | CENTRAL UNITED LIFE INSURANCE COMPANY | $213 | — | $213 | 1.70% |
| BENEFIT RESEARCH CORPORATION3 | 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 | $1K | $52 | $1K | 13.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 4851 LYNDON B JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $269 | $50 | $319 | 2.93% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING, INC. | 4851 LYNDON B JOHNSON FREEWAY SUITE 100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $132 | — | $132 | 1.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125 | $125 | 1.15% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | AETNA BEHAVIORAL HEALTH, LLC | $819 | — | $819 | 7.99% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 749 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 825 | $419K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 825 | $419K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 749 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 749 | $4.4M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 749 | $4.4M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 749 | $4.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 749 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.