| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE AND BRITT INS AGENCY | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | $0 | $59K | 13.48% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE AND BRITT INS AGENCY | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INCORPORATED | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.24% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETT AND BRITT | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.09% |
| PACIFIC RESOURCE BENEFITS ADVISORS3 | PO BOX 746600 ATLANTA, GA 30374 | TRANSAMERICA LIFE INSURANCE COMPANY | $798 | $0 | $798 | 2.15% |
| KAY C. NOBLES3 Filed as: KAY NOBLES | 4305 WINDWILLOW COURT FORTH WORTH, TX 76137 | TRANSAMERICA LIFE INSURANCE COMPANY | $781 | $0 | $781 | 2.11% |
| UNITED SVC OF AMERICA INS SVCS, INC3 Filed as: UNITED SVC OF AMERICA INSURE SCVS | 6119 LA GRANDA, SUITE C2151 RANCHO SANTA FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $642 | $0 | $642 | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $526 | — | $526 | 1.42% |
| MJ INSURANCE3 Filed as: ADVANCEDLTC INS AND VARIOUS AGENTS | 520 EAST WILSON AVENEUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $467 | $0 | $467 | 1.26% |
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 | 249 | $439K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $439K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $439K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 249 | $439K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 318 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.