| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC. | 8750 N CENTRAL EXPY SUITE 500 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $10K | $29K | 22.29% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP LLC SOUTHWEST | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC | — | $4K | $4K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC. | 8750 N CENTRAL EXPY SUITE 500 DALLAS, TX 75231 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 9.99% |
| GPA3 | 12770 MERRIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $860 | $387 | $1K | 14.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $27K |
| ROACH HOWARD SMITH & BARTON EIN 75-2760506 BROKER | Other commissions Service code 55 | 8750 N CENTRAL EXPRESSWAY, STE 500 DALLAS, TX 75231 | $202 |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ACE AMERICAN INSURANCE COMPANY | 148 | $71K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $131K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $131K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $131K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 151 | $75K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.