| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON | DEPT 3103 PO BOX 123103 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 7.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $709 | $10K | 4.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC -HOUSTON | DEPT 3103 PO BOX 123103 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $715 | $7K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $214 | $4K | 6.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - HOUSTON, TX | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE | $949 | — | $949 | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | EYEMED VISION CARE | $905 | — | $905 | 2.73% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 335 | $33K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $313K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $244K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $244K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.