| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | — | $27K | $27K | 1.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | $16K | $59K | 6.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135K | — | $135K | 28.36% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135K | — | $135K | 28.36% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 | 9300 WEST 110TH STREET, SUITE 520 OVERLAND PARK, KS 66210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $15K | — | $15K | 17.59% |
| THOMAS E. ADAMS4 | 1617 SUTTERS MILL DRIVE CARROLLTON, TX 75007 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 4.65% |
| THOMAS OWENS4 Filed as: THOMAS W. OWENS | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $287 | — | $287 | 0.33% |
| MARIE E. FRATONI4 | 5731 WESTERN HILLS DRIVE NORCROSS, GA 30071 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $272 | — | $272 | 0.31% |
| SHELLEY R. HINES4 | 4127 AMHURST DRIVE HIGHLAND VILLAGE, TX 75077 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41 | — | $41 | 0.05% |
| RONALD J. REHBERG4 | 407 1/2 ROCKWOOD LANE GRAND JUNCTION, CO 81507 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.04% |
| JOE D. GIBBS4 | 14300 NORTH PENNSYLVANIA AVENUE OKLAHOMA CITY, OK 73134 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | — | $26 | 0.03% |
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 | 3,683 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,367 | $696K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 3,683 | $1.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,683 | $876K |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 3,683 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,683 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.