| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $85K | $196 | $85K | 3.56% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | 1111 N LOOP W, SUITE 400 HOUSTON, TX 77008 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 1.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 7.62% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | 1111 N LOOP WEST, SUITE 400 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 4.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.51% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | 1111 N LOOP WEST, SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $310 | $3K | 3.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $178 | $5K | 12.06% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | PO BOX 922022 HOUSTON, TX 77292 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $240 | $2K | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $98 | $3K | 12.09% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | PO BOX 922022 HOUSTON, TX 77292 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $737 | $133 | $870 | 3.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.59% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | 1111 N LOOP WEST, SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $422 | $53 | $475 | 3.85% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGY | 1111 N LOOP WEST, SUITE 400 HOUSTON, TX 77008 | METROPOLITAN LIFE INSURANCE COMPANY | $228 | — | $228 | 10.80% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $181K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $183K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $22K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.