| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 12.70% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $836 | $5K | 1.78% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTN, TX 77092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $182 | $10K | 15.37% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59K | $981 | $60K | 120.88% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 39.63% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.61% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.13% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $922 | $6K | 13.77% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.28% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.50% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $794 | $907 | $2K | 4.97% |
| GPA3 | 12770 MERITDRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $3K | $1K | $4K | 13.60% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.93% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $518 | — | $518 | 1.81% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $234 | $2K | 11.62% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $731 | — | $731 | 5.15% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $268 | $268 | 1.89% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $213 | $213 | 1.50% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | $0 | $898 | 14.24% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.89% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE DESCANT & BRITT INC | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 1.37% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | WEX HEALTH INC | — | $9K | $9K | — |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $34K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $62K |
| Long-term disability(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $111K |
| Stop-loss / reinsurancereinsurance | GERBER | 163 | $588K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.