| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $93K | $107K | 3.05% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $12K | $174 | $12K | 6.53% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 | 2351 SOUTH FM 51, SUITE 300 DECATUR, TX 76234 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE STREET, SUITE 320 HOUSTON, TX 77057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 18.22% |
| MJ INSURANCE3 Filed as: OCTAVIO CRUZ JR. AND VARIOUS AGENTS | 977 BARKLEY CIRCLE NORMAN, OK 73071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 13.60% |
| LISA N. BATES3 | SIX BAYOU POINTE DRIVE HOUSTON, TX 77063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 13.51% |
| DOMINICK J LACARIA JR3 Filed as: DOMINICK J. LACARIA JR. | 140 ORCHARD DRIVE CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL J. ANDERS | 17802 TERRANO VA WEST DRIVE SPRING, TX 77379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.78% |
| DOMINICK J LACARIA3 Filed as: DOMINICK J. LACARIA SR. | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| PETER B WILKINSON JR3 Filed as: PETER B. WILKINSON, JR. | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.52% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 887 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 887 | $3.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 887 | $3.5M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 228 | $180K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 228 | $180K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 228 | $180K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 887 | $3.5M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 228 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.