| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCE | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $25K | $25K | 5.44% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $10K | $25K | 5.36% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 18.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCE | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | VISION SERVICE PLAN | $8K | — | $8K | 9.57% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE, SUITE 100 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 18.16% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $5K | $894 | $6K | 14.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 825 DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $703 | $13K | 48.11% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 335 | $28K |
| Vision | VISION SERVICE PLAN | 323 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $547K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $467K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $467K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.