| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 401 EAST SONTERRA BOULEVARD SUITE 125 SAN ANTONIO, TX 78258 | DELTA DENTAL INSURANCE COMPANY | $443K | — | $443K | 7.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $271K | — | $271K | 4.61% |
| BRYANT JOSEPH HAMSTRA3 | 5847 SAN FELIPE STREET, SUITE 320 HOUSTON, TX 77057 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 0.47% |
| WESTON BRYAN3 | 3741 SHADY HILL DRIVE DALLAS, TX 75229 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 0.35% |
| SCHNITTKER, REED, HEADLEY3 Filed as: SCHNITTKER REED HEADLEY | 2400 DALLAS PARKWAY, SUITE 430 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.18% |
| LOCKTON COMPANIES, LLC3 | 401 EAST SONTERRA BOULEVARD SUITE 125 SAN ANTONIO, TX 78258 | PAN-AMERICAN LIFE INSURANCE COMPANY | $213K | — | $213K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE | $41K | — | $41K | 6.40% |
| FLEXVISION3 | 15400 CALHOUN DRIVE, SUITE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $27K | — | $27K | 4.24% |
| LOCKTON COMPANIES, LLC3 | 1501 NORTH PLANO, SUITE 100 RICHARDSON, TX 75081 | EYEMED VISION CARE | $13K | — | $13K | 2.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107K | — | $107K | 28.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | HARTFORD LIFE AND ACCIDENT | — | $61 | $61 | — |
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 | 18,758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 682 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 18,758 | $3.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 13,679 | $6.0M |
| Vision | EYEMED VISION CARE | 13,554 | $640K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 11,357 | $8.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 11,357 | $5.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 11,357 | $5.9M |
| Prescription drug | ALAMO HEIGHTS PHYSICIAN - MY PERSONAL PHYSICIAN PA | 18,758 | $559K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 18,838 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,838 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.