| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK ROBBINS3 | 4925 GREENVILLE AVE., SUITE 680 DALLAS, TX 75206 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, SUITE 1200 DALLAS, TX 75201 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 1.52% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., SUITE 1200 DALLAS, TX 75201 | UNITED DENTAL CARE OF TEXAS, INC. | — | $129 | $129 | 1.52% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 458 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 222 | $192K |
| Vision | EYEMED VISION CARE | 412 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 241 | $291K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 241 | $291K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 241 | $291K |
| Other | HARTFORD LIFE AND ACCIDENT | 241 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.