| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 717 N. HARWOOD ST, STE 2500 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 717 N. HARWOOD ST, STE 2500 DALLAS, TX 75201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.04% |
| LOCKTON COMPANIES, LLC3 | 717 N. HARWOOD ST, STE 2500 DALLAS, TX 75201 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.73% |
| LOCKTON COMPANIES, LLC3 | 717 N. HARWOOD ST. SUITE 2500 DALLAS, TX 75201 | TRANSAMERICA LIFE INSURANCE COMPANY | $781 | — | $781 | 3.04% |
| MICHAEL K PARKS3 Filed as: MICHAEL K. PARKS | P.O. BOX 908 FORT WORTH, TX 76101 | TRANSAMERICA LIFE INSURANCE COMPANY | $707 | — | $707 | 2.75% |
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 | 730 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,862 | $125K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 967 | $737K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 967 | $737K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 967 | $794K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,862 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.