| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $0 | $49K | $49K | 4.57% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 2.93% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 13.13% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.36% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $8K | $0 | $8K | 15.00% |
| INTERMEDIARY SOLUTIONS COMPANY3 | 5 SAWGRASS COURT FRISCO, TX 75034 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | $0 | $1K | 2.00% |
| RULE YOUR KINGDOM LP3 | 900 WASHINGTON AVENUE, SUITE 601 WACO, TX 76701 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $212 | $0 | $212 | 0.40% |
| BROOKS WERKHEISER3 | PO BOX 447 PONTE VEDRA BEACH, FL 32004 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $109 | $0 | $109 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CECIL MARK BROWN | 505 WEST SIMMONS STREET WEATHERFORD, TX 76086 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $49 | $0 | $49 | 0.09% |
| WHIGHAM AND ASSOCIATES, INC.3 | 4509 LONE TREE DRIVE PLANO, TX 75093 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $48 | $0 | $48 | 0.09% |
| ITEM III TRUST U/W DAVID A SAVULA3 Filed as: ITEM III TRUST U/W DAVID A. SAVULA | 480 RIVERHILL DRIVE ATLANTA, GA 30328 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $36 | $0 | $36 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 8.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $822 | $822 | 2.22% |
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 | 1,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 168 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 76 | $490K |
| Vision | VISION SERVICE PLAN | 951 | $225K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,092 | $1.1M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,092 | $1.1M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,092 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 76 | $490K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,112 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.