| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $1K | $12K | 0.79% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $20K | $6K | $27K | 19.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 17.79% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $303 | $0 | $303 | 14.99% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5729 LEBANON ROAD, SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $121 | $0 | $121 | 5.99% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.5M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 180 | $139K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 180 | $139K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 395 | $1.5M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 180 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.