| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $44K | $0 | $44K | 19.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 300 SUITE 300 ATLANTA, GA 30339 | GUARDIAN | $30K | $5K | $34K | 15.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TN 75201 | GUARDIAN | $8K | $1K | $9K | 4.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $373 | $0 | $373 | 0.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AXIS INSURANCE COMPANY | $11K | $0 | $11K | 5.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | AXIS INSURANCE COMPANY | $9K | $0 | $9K | 4.55% |
| ROBERT MATTHEW SMITH3 Filed as: ROBERT L DYKE | 851 INTERNATIONAL PARKWAY SUTIE 120 RICHARDSON, TX 75081 | DEARBORN LIFE INSURANCE COMPANY | $74K | $0 | $74K | 71.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.13% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $3K | $0 | $3K | 4.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE | $2K | $0 | $2K | 3.62% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $1K | $0 | $1K | 1.80% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 2925 BRIARPARK DR STE 1025 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $31 | $5K | 17.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $271 | $271 | 0.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.89% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 2925 BRIARPARK DR STE 1025 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $31 | $3K | 14.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $70 | $2K | 6.82% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $213 | $213 | 0.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $156 | $156 | 0.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 621 | $3.5M |
| Vision | EYEMED VISION CARE | 828 | $59K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,110 | $328K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 534 | $251K |
| Long-term disability | GUARDIAN | 7 | $224K |
| Prescription drug | AXIS INSURANCE COMPANY | 115 | $197K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,110 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.