| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $392K | $41K | $434K | 7.57% |
| LOCKTON COMPANIES, LLC3 | 401 EAST SONTERRA BOULEVARD SUITE 125 SAN ANTONIO, TX 78258 | DELTA DENTAL INSURANCE COMPANY | $375K | — | $375K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | PAN-AMERICAN LIFE INSURANCE COMPANY | $95K | — | $95K | 9.78% |
| LOCKTON COMPANIES, LLC3 | 1501 NORTH PLANO, SUITE 100 RICHARDSON, TX 75081 | EYEMED VISION CARE | $45K | — | $45K | 7.92% |
| FLEXVISION - MD3 Filed as: FLEXVISION-MD | 15400 CALHOUN DRIVE, SUITE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $23K | — | $23K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | EYEMED VISION CARE | $2 | — | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80K | — | $80K | 23.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.38% |
| NICHOLAS C. TURANO3 | PO BOX 79687 HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8410 HIGHWAY 90A, SUITE 110 SUGARLAND, TX 77478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| FRED J. SCOTT3 Filed as: THE FRED SCOTT GROUP, INC. | 8320 ALLISON POINTE BOULEVARD HOUSTON, TX 77279 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | HARTFORD LIFE AND ACCIDENT | $467 | — | $467 | 15.01% |
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 | 11,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 396 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 1,211 | $1.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 13,788 | $4.7M |
| Vision | EYEMED VISION CARE | 11,921 | $571K |
| Life insurance | STANDARD INSURANCE COMPANY | 9,950 | $5.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 9,950 | $5.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 9,950 | $5.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 9,950 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,788 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.