| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 3.55% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $10K | $132 | $10K | 10.10% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.92% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 17.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $833 | $0 | $833 | 4.11% |
| LOCKTON COMPANIES, LLC5 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.54% |
| JOHN W. BUSCH4 | 2028 EAST BEN WHITE BOULEVARD SUITE 240-8808 AUSTIN, TX 78741 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $235 | $0 | $235 | 3.87% |
| JOHN BUSCH4 | 5515 BIRDWOOD ROAD HOUSTON, TX 77096 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $66 | $0 | $66 | 1.09% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 452 | $103K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 440 | $15K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 352 | $42K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 352 | $42K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.5M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 352 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.