| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $3K | $27K | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| GARRY LYNN JOHNSON3 | 3850 EAST BASELINE ROAD, SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | $272 | $5K | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $0 | $815 | $815 | 1.87% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $57 | $2K | 5.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $511 | $511 | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $710 | $4K | 11.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| JOHN F. MILLER3 Filed as: JOHN F MILLER | UNKNOWN DALLAS, TX 75202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.87% |
| KEVIN J BRAND2 | 5080 SPECTRUM DRIVE, SUITE 902W ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $382 | $0 | $382 | 13.56% |
| GARY E. LEWIS3 Filed as: GARY E LEWIS | 5080 SPECTRUM DRIVE, SUITE 902W ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.67% |
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 | 80 | 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) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $667K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $34K |
| Vision | EYEMED VISION CARE | 77 | $5K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 80 | $111K |
| Long-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 79 | $103K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $667K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
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.