| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $31K | $0 | $31K | 4.58% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 717 N. HARWOOD ST., STE 2500 DALLAS, TX 75201 | UNION SECURITY INSURANCE COMPANY | $4K | $629 | $5K | 17.14% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1400 DALLAS, TX 76102 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 25.44% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST FORT WORTH, TX 76102 | TRANSAMERICA LIFE INSURANCE COMPANY | $420 | $0 | $420 | 1.65% |
| MICHAEL K PARKS3 Filed as: MICHAEL K. PARKS | P.O. BOX 908 FORT WORTH, TX 76101 | TRANSAMERICA LIFE INSURANCE COMPANY | $203 | $0 | $203 | 0.80% |
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 | 796 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 719 | $135K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 803 | $681K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 803 | $681K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 803 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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.