| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $7K | $7K | 0.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | TRANSAMERICA LIFE INSURANCE COMPANY | $136K | $0 | $136K | 11.08% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $74K | $0 | $74K | 6.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 132042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $17K | $41K | 5.11% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66K | $7K | $74K | 21.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 132042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $33K | $0 | $33K | 10.29% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | UNKNOWN COPPELL, TX 75019 | TRIPLE S SALUD, INC. | $8K | $0 | $8K | 4.95% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $9K | $63 | $9K | 10.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $780 | $780 | 0.88% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $607 | $67 | $674 | 16.65% |
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 | 6,632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,140 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 6,039 | $1.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | 4,733 | $320K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,632 | $796K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,632 | $796K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,632 | $796K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 92 | $598K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21,752 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,752 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.