| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 0.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $430 | $430 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | DEARBORN LIFE INSURANCE COMPANY | $22K | $4K | $25K | 17.40% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 19.54% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $348 | — | $348 | 14.99% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $139 | — | $139 | 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 | 191 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $1.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 195 | $145K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 195 | $145K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $1.9M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 195 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.