| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $87 | $34K | 8.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $23K | 7.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $844 | $0 | $844 | 1.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $717 | $717 | 2.00% |
| PACIFIC RESOURCE BENEFITS ADVISORS3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.00% |
| ADVANCED LTC INSURANCE SERVICES3 Filed as: ADVANCED LTC INSURANCE SVCS LLC | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $680 | $0 | $680 | 3.70% |
| FIRST USA INS BROKERAGE INC3 Filed as: FIRST USA INS. BROKERAGE INC. | 6119 LA GRANADA, SUITE C2151 RANCHO SANTE FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.29% |
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 | 763 | 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) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,046 | $418K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,026 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 613 | $323K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 613 | $359K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 613 | $323K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,046 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.