| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | PO BOX 922022 HOUSTON, TX 772922022 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $39 | $39 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE , | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 770084712 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $6 | $6 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE, DESCANT & BRITT | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 12.11% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE A | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 2.44% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE A | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $519 | $11K | 15.75% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $152 | $7K | 15.44% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE A | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.05% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE A | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71 | — | $71 | 1.85% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 423 | $2.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $42K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $297K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $232K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.