| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 18TH ST STE 2870 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $33K | $0 | $33K | 13.59% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG2 STE125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.39% |
| HAMILTON, RONNIE, WAYNE3 | 5825 NICHOLAS CIR AMARILLO, TX 791097456 | AMERITAS LIFE INSURANCE CORP. | $7K | $349 | $7K | 10.53% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 664 | $65K |
| Life insurance | STANDARD INSURANCE COMPANY | 479 | $245K |
| Short-term disability | STANDARD INSURANCE COMPANY | 479 | $245K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 479 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.