| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $120K | — | $120K | 2.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $10K | — | $10K | 0.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | THE STANDARD INSURANCE COMPANY | $24K | — | $24K | 8.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 10100 KATY FWY SUITE 440 HOUSTON, TX 77043 | THE STANDARD INSURANCE COMPANY | $8K | — | $8K | 3.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $11K | $2K | $12K | 11.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 818 TOWN COUNTRY HOUSTON, TX 77024 | GUARDIAN LIFE INSURANCE CO OF AMERICA | — | $3K | $3K | 3.03% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 340 | $4.3M |
| Dental | GUARDIAN LIFE INSURANCE CO OF AMERICA | 344 | $107K |
| Vision | GUARDIAN LIFE INSURANCE CO OF AMERICA | 344 | $107K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 354 | $277K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 354 | $277K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 354 | $277K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 340 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.