| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $192K | $71 | $192K | 3.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $232K | $23K | $255K | 5.61% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | PAN-AMERICAN LIFE INSURANCE COMPANY | $176K | $0 | $176K | 13.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | $0 | $53K | 10.29% |
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 | 13,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,630 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 13,405 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,193 | $5.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 11,193 | $5.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 7,440 | $4.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 7,440 | $4.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,440 | $4.6M |
| Prescription drug(2 contracts, 2 carriers) | ALAMO HEIGHTS PHYSICIAN - MY PERSONAL PHYSICIAN PA | 13,405 | $365K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 13,405 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,405 | — |
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.