| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $148K | $87K | $235K | 1.25% |
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES L | 180 MONTGOMERY ST SAN FRANCISCO, CA 941044205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 2.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $70 | $57K | 2.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 0.77% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BNFTS ADMINISTRATION INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123402 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $231 | $231 | 0.01% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $30 | $435 | 16.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $81K |
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 | 1,591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDILITY SECURITY LIFE INSURANCE CO. | 1,955 | $100K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,606 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,606 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,606 | $2.1M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 3,606 | $21.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,606 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.