| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752017941 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 3.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | GUARDIAN | $2K | $225 | $2K | 7.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 201 1ST STREET SE STE 700 CEDAR RAPIDS, IA 52401 | GUARDIAN | $546 | $0 | $546 | 1.76% |
| DECISELY INSURANCE SERVICES INC3 Filed as: DECISELY INSURANCE SERVICES IN | 10800 ALPHARETTA HIGHWAY STE 208 #784 ROSWELL, GA 30076 | GUARDIAN | $542 | $0 | $542 | 1.75% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $11 | $0 | $11 | 0.04% |
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 | 170 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 89 | $815K |
| Dental | GUARDIAN | 93 | $31K |
| Vision | GUARDIAN | 93 | $31K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 168 | $51K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 168 | $51K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 168 | $51K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 168 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.