| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM | $108K | $43K | $152K | 8.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | — | UNUM | -$53K | -$2K | -$55K | -2.90% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | — | LINCOLN NATIONAL LIFE INSURANCE. CO. | $72K | — | $72K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | — | LINCOLN NATIONAL LIFE INSURANCE. CO. | $43K | $348 | $43K | 2.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 2.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | — | LINCOLN NATIONAL LIFE INC. CO. | $4K | — | $4K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | — | LINCOLN NATIONAL LIFE INC. CO. | $3K | $12 | $3K | 2.50% |
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 | 6,805 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM | 7,889 | $2.4M |
| Short-term disability(3 contracts, 2 carriers) | UNUM | 7,889 | $3.8M |
| Long-term disability(3 contracts, 2 carriers) | UNUM | 7,889 | $3.8M |
| Other(3 contracts, 2 carriers) | UNUM | 7,889 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,889 | — |
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."
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.