| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF TEXAS | $93K | $24K | $117K | 3.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $52 | $20K | 11.10% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.39% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 13.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 7.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.68% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $224 | $0 | $224 | 3.52% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 617 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $178K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 360 | $33K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $156K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $150K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $150K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 617 | $3.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.