| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $85K | — | $85K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT ROAD NE ONE PIEDMONT CENTER ATLANTA, GA 30305 | BLUECROSS BLUESHIELD OF TEXAS | $42K | — | $42K | 0.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $6K | $8K | 1.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.01% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 4.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 2.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 4.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH ST CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $457 | $2K | 2.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 7.28% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,254 | $8.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,156 | $402K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 899 | $56K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $465K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $371K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $371K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,254 | — |
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."
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.