| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC | 8750 N CENTRAL EXPRESSWAY #500 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE CO. | $28K | — | $28K | 5.26% |
| ANBTX INSURANCE SERVICES, INC.3 Filed as: ANBTX INS SERVICES | 12400 COIT ROAD SUITE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE CO. | $9K | — | $9K | 1.72% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC | 8750 N CENTRAL EXPRESSWAY #500 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.43% |
| ANBTX INSURANCE SERVICES, INC.3 Filed as: ANBTX INS SERVICES | 12400 COIT ROAD SUITE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 CLAIM ADMINISTRATOR | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $246K |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 128 | $528K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $38K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.