| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MA 641121906 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $325K | $59K | $383K | 2.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $64K | $57K | $121K | 12.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSTX EIN 36-1236610 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $429K |
| INFOARMOR, INC. EIN 26-0634314 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $46K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| HSA BANK EIN 06-0273620 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| HAYNES BENEFITS PC EIN 27-0075283 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 1,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 3,234 | $12.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,775 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,775 | $1.3M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 2,442 | $952K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 2,442 | $953K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 2,442 | $952K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF TEXAS | 3,234 | $12.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,234 | — |
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.