| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162K | $55K | $217K | 3.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117K | $13K | $131K | 2.15% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117K | $13K | $130K | 2.14% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 0.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $88K | $0 | $88K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88K | $2K | $89K | 12.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $4K | $43K | 6.01% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $3K | $43K | 5.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $14K | $14K | 1.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | JOHN HANCOCK | $19K | $0 | $19K | 10.00% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL AND RODRIGUEZ | UNKNOWN SAN ANTONIO, TX 78256 | TRIPLE S SALUD, INC. | $8K | $0 | $8K | 5.00% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $8K | $0 | $8K | 6.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $8K | $0 | $8K | 6.01% |
| AMBERLEY PARK ASSOCIATES INC.3 | 3605 SANDY PLAINS ROAD SUITE 240-244 MARIETTA, GA 30066 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 0.84% |
| MJ INSURANCE3 Filed as: AGAR THOMAS AND VARIOUS AGENTS | 524 LEE STREET BURLINGTON, NC 27217 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $933 | $0 | $933 | 0.67% |
| CHRIS T. BOAZ3 | 12103 SW 125TH AVENUE TIGARD, OR 97223 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $224 | $0 | $224 | 0.16% |
| HIGH POINT ALLIANCE3 | 1119 EAST BIRCHBROOK CIRCLE COTTONWOOD HEIGHTS, UT 84047 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $158 | $0 | $158 | 0.11% |
| VERNE LAVINIER KIDD3 | 529 CELTIC ASH RUN CIBOLO, TX 78108 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $151 | $0 | $151 | 0.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $177 | $2K | 11.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $75 | $3K | 28.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $467 | $467 | 4.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $231 | $0 | $231 | 15.26% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $231 | $0 | $231 | 15.26% |
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 | 8,548 | 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) | 8,548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 32 | $163K |
| Dental | TRIPLE S SALUD, INC. | 32 | $163K |
| Vision | VISION SERVICE PLAN | 6,642 | $884K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,548 | $6.8M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,682 | $725K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,548 | $6.1M |
| Prescription drug | TRIPLE S SALUD, INC. | 32 | $163K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,548 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,548 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.