| 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 | $39K | — | $39K | 12.68% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 N LOOP W STE 1100 HOUSTON, TX 77092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.32% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 N LOOP W STE 1100 HOUSTON, TX 77092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 16.52% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 8.29% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE DESCANT & BRITT | 2800 N LOOP W STE 1100 HOUSTON, TX 77092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.02% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 3.25% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $3K | 8.97% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $585 | $4K | 10.72% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 7.68% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 N LOOP W STE 1100 HOUSTON, TX 77092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $533 | $533 | 1.53% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 N LOOP W STE 1100 HOUSTON, TX 77092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.84% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $218 | $1K | 11.66% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $838 | $838 | 7.33% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 N LOOP W STE 1100 HOUSTON, TX 77092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $566 | — | $566 | 4.95% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $224 | $224 | 1.96% |
| LOCKTON COMPANIES, LLC Filed as: BOWEN MICLETTE DESCANT & BRITT | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | PO BOX 922022 HOUSTON, TX 772922022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42 | — | $42 | 1.98% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 N LOOP W STE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $38K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $70K |
| Long-term disability(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 57 | $93K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
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.