| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | $0 | $64K | 15.95% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | RELIASTAR LIFE INSURANCE COMPANY | $49K | $0 | $49K | 65.23% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INCORPORATED | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.60% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 NORTH LOOP WEST HOUSTON, TX 77008 | TRANSAMERICA LIFE INSURANCE COMPANY | $908 | $0 | $908 | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $635 | $0 | $635 | 1.85% |
| FIRST USA INSURANCE BROKERAGE, INC.3 Filed as: FIRST USA INSURANCE BROKERAGE INC | 6119 LA GRANADA, SUITE C2151 RANCHO SANTE FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $253 | $0 | $253 | 0.74% |
| ADVANCED LTC INSURANCE SERVICES3 Filed as: ADVANCED LTC INSURANCE SRVCS LLC | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $222 | $0 | $222 | 0.65% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 354 | $402K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 354 | $402K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 354 | $402K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 354 | $402K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 354 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.