| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $171K | $166K | $337K | 6.57% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $60K | $60K | 1.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $82K | $0 | $82K | 5.02% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78K | $8K | $86K | 5.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78K | $8K | $86K | 5.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $6 | $34K | 2.34% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 2.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65K | $3K | $69K | 10.95% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 3.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 3.30% |
| CHRISTINE MCCULLOUGH3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | JOHN HANCOCK | $15K | $0 | $15K | 7.49% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL AND RODRIGUEZ | UNKNOWN SAN ANTONIO, TX 78256 | TRIPLE S SALUD, INC. | $9K | $0 | $9K | 5.00% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9K | $0 | $9K | 6.29% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 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 | 6.10% |
| AMBERLY PARK ASSOCIATION INC.4 Filed as: AMBERLY PRK ASSOC. INC | 3605 SANDY PLAINS ROAD, SUITE 240 MARIETTA, GA 30066 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 0.75% |
| MJ INSURANCE4 Filed as: VERNE L. KIDD AND VARIOUS AGENTS | 529 CELTIC ASH RUN CIBOLO, TX 78108 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $741 | $0 | $741 | 0.54% |
| CHRIS T. BOAZ4 | 12103 SW 125TH AVENUE TIGARD, OR 97223 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $176 | $0 | $176 | 0.13% |
| AGAR THOMAS4 | 524 LEE STREET BURLINGTON, NC 27217 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $131 | $0 | $131 | 0.10% |
| CHRISTIAN F. ROGNER4 | PO BOX 1318 LEWISBURG, WV 24901 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $120 | $0 | $120 | 0.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $186 | $2K | 11.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $84 | $2K | 22.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $300 | $0 | $300 | 16.74% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $300 | $0 | $300 | 16.74% |
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 | 8,429 | 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) | 8,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 33 | $170K |
| Dental | TRIPLE S SALUD, INC. | 33 | $170K |
| Vision | VISION SERVICE PLAN | 5,786 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 12,024 | $5.8M |
| Short-term disability(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,026 | $2.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 12,024 | $5.1M |
| Prescription drug | TRIPLE S SALUD, INC. | 33 | $170K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 12,024 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,024 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.