| 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 | 13.62% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 2.07% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $267 | $10K | 16.61% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE DESCANT & BRITT INC | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.14% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $919 | $6K | 14.38% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.15% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 5.50% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.65% |
| 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 | $4K | $763 | $5K | 11.83% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | 27734 ORG ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $763 | $5K | 11.83% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 9.55% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $782 | $782 | 1.93% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.85% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE DESCANT & BRITT INC | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.77% |
| SMITH, THOMAS, CHRISTOPHER Filed as: SMITH THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.03% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $993 | $192 | $1K | 10.24% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $498 | $498 | 4.30% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $480 | — | $480 | 4.15% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $175 | $175 | 1.51% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE & BRITT INSURANCE | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.18% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | PO BOX 922022 HOUSTON, TX 77292 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 3.35% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $35K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $35K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $62K |
| Long-term disability(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $94K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.