| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE AND BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 77292 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | $0 | $58K | 14.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19K | $19K | 4.88% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE AND BRITT INS AGENCY | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| PACIFIC RESOURCE BENEFITS ADVISORS3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.61% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETT AND BRITT | 1111 NORTH LOOP WEST HOUSTON, TX 77008 | TRANSAMERICA LIFE INSURANCE COMPANY | $992 | $0 | $992 | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $568 | $0 | $568 | 1.47% |
| ADVANCEDLTC INSURANCE SVCS, LLC3 | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $360 | $0 | $360 | 0.93% |
| UNITED SVC OF AMERICA INS SVCS, INC3 | 6119 LA GRANDA, SUITE C2151 RANCHO SENTA FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $280 | $0 | $280 | 0.72% |
| KAY C. NOBLES3 Filed as: KAY NOBLES | 4305 WINDWILLOW COURT FORT WORTH, TX 76137 | TRANSAMERICA LIFE INSURANCE COMPANY | $278 | $0 | $278 | 0.72% |
| FIRST USA INS BROKERAGE INC3 Filed as: FIRST USA INS BROKERRAGE, INC. | 6119 LA GRANDA, SUITE C 2151 RANCHO SANTE FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.27% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $394K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $394K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $394K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $394K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 403 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.