| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANLEY HORN3 Filed as: STANLEY J. HORN | PO BOX 3194 BELLAIRE, TX 77402 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.46% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PARKWAY CARROLLTON, TX 75007 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.38% |
| HOTCHKISS INSURANCE AGENCY LLC3 Filed as: HOTCHKISS INSURANCE AGCY LLC | 4120 INTRNTL PKWY STE 2000 CARROLLTON, TX 75007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.54% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS INC | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| HOTCHKISS INSURANCE AGENCY LLC3 Filed as: HOTCHKISS INSURANCE AGCY LLC | 4120 INTRNTL PKWY STE 2000 CARROLLTON, TX 75007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.15% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | — | $989 | 3.92% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS INC | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | — | $989 | 3.92% |
| HOTCHKISS INSURANCE AGENCY LLC3 Filed as: HOTCHKISS INSURANCE AGCY LLC | 4120 INTRNTL PKWY STE 2000 CARROLLTON, TX 75007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.63% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | — | $487 | 3.69% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS INC | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $486 | — | $486 | 3.68% |
| HOTCHKISS INSURANCE AGENCY LLC3 Filed as: HOTCHKISS INSURANCE AGCY LLC | 4120 INTRNTL PKWY STE 2000 CARROLLTON, TX 75007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $273 | — | $273 | 7.26% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS INC | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146 | — | $146 | 3.89% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | — | $145 | 3.86% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 188 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 188 | $1.2M |
| Vision | AETNA LIFE INSURANCE CO. | 188 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $35K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.