| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $108K | $0 | $108K | 4.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $74K | $74K | 2.77% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $231K | $38K | $269K | 25.88% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $231K | $0 | $231K | 22.24% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $58K | $0 | $58K | 10.34% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 12.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.85% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $0 | $40K | 16.66% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.56% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.01% |
| VIDAL & RODRIGUEZ3 | UNKNOWN SAN ANTONIO, TX 78256 | TRIPLE S SALUD, INC. | $6K | $0 | $6K | 5.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.87% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $170 | $170 | 0.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | $0 | $4K | 4.32% |
| 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 | $4K | $0 | $4K | 4.20% |
| THOMAS OWENS3 | PO BOX 781431 WICHITA, KS 67278 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 1.16% |
| MJ INSURANCE3 Filed as: CHRIS T. BOAZ AND VARIOUS AGENTS | 12103 SW 125TH AVENUE TIGARD, OR 97223 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $554 | $0 | $554 | 0.56% |
| AMBERLEY PARK ASSOCIATES INC.3 | 3605 SANDY PLANS ROAD SUITE 240 244 MARIETTA, GA 30066 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $476 | $0 | $476 | 0.48% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $422 | $0 | $422 | 0.43% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $168 | $0 | $168 | 0.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $926 | $0 | $926 | 15.37% |
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 | 5,828 | 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) | 5,828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 22 | $123K |
| Dental | TRIPLE S SALUD, INC. | 22 | $123K |
| Vision | VISION SERVICE PLAN | 4,131 | $565K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,828 | $2.9M |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 5,828 | $365K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,828 | $2.7M |
| Prescription drug | TRIPLE S SALUD, INC. | 22 | $123K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,828 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,828 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.