| 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 | — | $11 | $11 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE, DESCANT & BRITT | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 770084712 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $3 | $3 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT INC | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 12.56% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 2.32% |
| 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 | $8K | $406 | $9K | 15.74% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.39% |
| 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 | $49 | $2K | $2K | 5.96% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $44 | $2K | 6.62% |
| 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 | $1K | — | $1K | 4.24% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $496 | $4K | 13.57% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 N LOOP WEST SUITE 400 HOUSTON, TX 77008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.78% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 ST AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 4.89% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE DESCANT & BRITT | PO BOX 922022 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $573 | — | $573 | 14.17% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT INC | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Insurance agents and brokers Service code 22 | — | $12K |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 375 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $39K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $39K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $302K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $279K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.