| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $58K | $0 | $58K | 6.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $15K | $60K | 15.37% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, SUITE 500 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM INSURANCE COMPANY | $18K | $3K | $21K | 9.31% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, SUITE 500 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 2.29% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES INC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 13.58% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5729 LEBANON ROAD, SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 7.57% |
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 | 1,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 881 | $879K |
| Vision | VISION SERVICE PLAN | 787 | $113K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,138 | $388K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,138 | $388K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,138 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.