| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $782 | $11K | 11.00% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $418 | $9K | 9.16% |
| DAVID L COOPER3 | 1320 SOUTH UNIVERSITY DRIVE SUITE 1000 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.53% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $377 | $8K | 14.57% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $682 | $6K | 15.68% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON, INC. | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $874 | $58 | $932 | 8.02% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 1.85% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON, INC. | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $747 | $1 | $748 | 8.30% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 1.08% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $24 | $24 | 0.27% |
| ALLEN, CANNON, EDWARD3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.12% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 203 | $102K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $96K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE | 242 | $222K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.