| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $23K | $23K | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSRUANCE COMPANY | $454K | $19K | $473K | 9.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85K | $10K | $95K | 26.63% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $141 | $494 | 0.14% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $7K | $90 | $7K | 8.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $712 | $712 | 0.80% |
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 | 1,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 4,426 | $24.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 4,426 | $24.6M |
| Vision | DEARBORN LIFE INSRUANCE COMPANY | 1,783 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSRUANCE COMPANY | 1,783 | $5.2M |
| Short-term disability | DEARBORN LIFE INSRUANCE COMPANY | 1,783 | $4.8M |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSRUANCE COMPANY | 1,783 | $5.2M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 4,426 | $24.6M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSRUANCE COMPANY | 2,218 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,426 | — |
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."
No prospect flags tripped on this filing.