| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $144K | $156K | $300K | 6.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $142K | $0 | $142K | 2.96% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $142K | $0 | $142K | 2.96% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | — | $27K | $27K | 0.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $7K | $76K | 7.65% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $7K | $76K | 7.65% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 3.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 1.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $54K | $0 | $54K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55K | $0 | $55K | 14.79% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $791 | $9K | 2.43% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $791 | $9K | 2.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 0.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | JOHN HANCOCK | $21K | $0 | $21K | 10.00% |
| VIDAL & RODRIGUEZ3 | UNKNOWN SAN ANTONIO, TX 78256 | TRIPLE S SALUD, INC. | $9K | — | $9K | 5.00% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | $0 | $6K | 4.58% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD OVERLAND PARK, KS 66211 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 4.42% |
| AMBERLEY PARK ASSOCIATES INC.4 Filed as: AMBERLEY PARK ASSOCIATION INC. | 3605 SANDY PLAINS ROAD, SUITE 240 MARIETTA, GA 30066 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $647 | $0 | $647 | 0.53% |
| MJ INSURANCE4 Filed as: CHRISTIAN ROGNER AND VARIOUS AGENTS | PO BOX 1318 LEWISBURG, WV 24901 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $391 | $0 | $391 | 0.32% |
| CHRIS T. BOAZ4 | 121013 SW 125TH AVENUE TIGARD, OR 97223 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $129 | $0 | $129 | 0.11% |
| VERNE LAVINIER KIDD4 | 529 CELTIC ASH RUN CIBOLO, TX 78108 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $104 | $0 | $104 | 0.08% |
| PHILLIP M. ERNEST & ASSOCIATES, INC4 Filed as: PHILLIP M. ERNEST AND ASSOCIATES | 3125 MARQUITA DRIVE FORT WORTH, TX 76116 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $95 | $0 | $95 | 0.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 16.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $26 | $26 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14 | $14 | 1.59% |
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 | 6,234 | 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) | 6,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 23 | $184K |
| Dental | TRIPLE S SALUD, INC. | 23 | $184K |
| Vision | VISION SERVICE PLAN | 4,652 | $678K |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,913 | $5.2M |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 786 | $383K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 8,913 | $4.8M |
| Prescription drug | TRIPLE S SALUD, INC. | 23 | $184K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,913 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,913 | — |
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.