| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | 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 | — | $392 | $392 | 0.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $52 | $2K | 5.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $563 | $563 | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $549 | $4K | 11.71% |
| JOHN F. MILLER3 | UNKNOWN DALLAS, TX 75202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 19.79% |
| JOE A. MILLER AND ASSOCIATES INC.3 | 510 BRIGHTON PLACE NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | $0 | $54 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 7600 NORTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78731 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 37.07% |
| GARRY LYNN JOHNSON3 | 3850 EAST BASELINE ROAD, SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.94% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $3K | $884 | $4K | 18.67% |
| AUSTIN KYLE SEARS3 | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.26% |
| MATTHEW BRAND3 | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | STANDARD INSURANCE COMPANY | $703 | $0 | $703 | 3.37% |
| KEVIN JOSEPH BRAND3 | 13455 NOEL ROAD, FLOOR 20 DALLAS, TX 75240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $82 | $0 | $82 | 12.22% |
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 | 77 | 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) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $770K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $37K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 82 | $5K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $96K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $31K |
| Long-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 75 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $770K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.