| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 3.26% |
| 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 MEZA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $425 | $5K | 10.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $95 | $2K | 5.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CIOTY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $976 | $976 | 2.48% |
| REED HEADLEY SCHNITTKER3 | 2400 DEALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.44% |
| AUSTIN KYLE SEARS3 | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.20% |
| MATTHEW BRAND3 | 1445 ROSS AVENUE, SUITE 4200 DALAS, TX 75202 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $336 | $336 | 0.85% |
| JOHN F. MILLER3 | 510 BRIGHTON PLACE NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 19.74% |
| KEVIN JOSEPH BRAND | 13455 NOEL ROAD, 20TH FLOOR DALLAS, TX 75240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $229 | $0 | $229 | 11.96% |
| GARY E. LEWIS3 | 5080 SPECTRUM DRIVE, SUITE 902W ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.42% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $743K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 115 | $39K |
| Vision | EYEMED VISION CARE | 83 | $5K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 81 | $124K |
| Long-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 80 | $103K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $743K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.