| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $3K | $47K | 11.98% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INCORPORATED | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.10% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W, SUITE 400 HOUSTON, TX 77008 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $597 | $0 | $597 | 1.98% |
| FIRST USA INS BROKERAGE INC3 | 6119 LA GRANADA, SUITE C2151 RANCHO SANTA FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $289 | $0 | $289 | 0.96% |
| ADVANCEDLTC INSURANCE SVCS, LLC3 Filed as: ADVANCEDLTC INSURANCE SVCS LLC | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $207 | $0 | $207 | 0.69% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W, SUITE 400 HOUSTON, TX 77008 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.71% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 156 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $390K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $390K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $390K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.