| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | UNITED HEALTHCARE | $26K | $0 | $26K | 3.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FWY STE 500 HOUSTON, TX 77024 | PRINCIPLE LIFE INSURANCE COMPANY | $8K | $331 | $9K | 15.63% |
| GARRY LYNN JOHNSON3 | 3850 E BASELINE RD STE 121 MESA, AZ 85206 | PRINCIPLE LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 16.10% |
| AUSTIN KYLE SEARS3 | USI SOUTHWEST STE 2000 2711 N HASKELL AVE DALLAS, TX 75204 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.72% |
| MATTHEW BRAND3 | 1445 ROSS AVENUE STE 4200 DALLAS, TX 75202 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $576 | $2K | 6.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST SUITE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $472 | $472 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | CIGNA GROUP INSURANCE | $3K | $486 | $4K | 11.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.30% |
| MILLER, JOHN F.3 | 510 BRIGHTON PLACE NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 19.16% |
| BRAND KEVIN JOSEPH3 | 5080 SPECTRUM DR STE 902W ADDISON, TX 85001 | MASSACHUSETTS MUTIAL LIFE INSURANCE COMPANY | $298 | $0 | $298 | 7.00% |
| BRAND KEVIN JOSEPH3 | 5080 SPECTRUM DR STE 902W ADDISON, TX 75001 | MASSACHUSETTS MUTIAL LIFE INSURANCE COMPANY | $156 | $0 | $156 | 3.67% |
| LEWIS GARY E3 | 5080 SPECTRUM DR STE 902W ADDISON, TX 75001 | MASSACHUSETTS MUTIAL LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.78% |
| JOHNSON KEITH W3 | 7300 COLLEGE BLVD STE 215 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTIAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOHNSON KEITH W3 | 7300 COLLEGE BLVD STE 215 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTIAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 73 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 105 | $758K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 120 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 82 | $55K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 80 | $113K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.