| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $19K | $4K | $23K | 0.65% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.97% |
| MARY H MUNOZ PHILIPS3 Filed as: MARY H. MUNOZ PHILIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | AFLAC | $696 | $0 | $696 | 4.13% |
| JANET S. RENO3 | 14922 DOGWOOD VIEW LANE CYPRESS, TX 77429 | AFLAC | $469 | $0 | $469 | 2.78% |
| ENROLLEASE3 Filed as: CURTIS CLARKE MOSLEY | 531 CAESARS CIRCLE NEW CANEY, TX 77357 | AFLAC | $290 | $0 | $290 | 1.72% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77389 | AFLAC | $195 | $0 | $195 | 1.16% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS. AGENCY, LLC | 837 SE COURANCES DRIVE PORT ST. LUCIE, FL 34984 | AFLAC | $50 | $0 | $50 | 0.30% |
| MARTY JOE TURNER3 | PO BOX 43 MAUK, GA 31058 | AFLAC | $46 | $0 | $46 | 0.27% |
| RONALD JONES AND OTHER AGENTS3 | 2523 CREEK DRIVE GRANBURY, TX 76048 | AFLAC | $30 | $0 | $30 | 0.18% |
| VERNA HEATH4 Filed as: VERNA HEALTH | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $639 | $0 | $639 | 12.22% |
| AMBER L. HAWTHORNE4 | 1205 SEMINOLE DRIVE RICHARDSON, TX 75080 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $29 | $0 | $29 | 0.55% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $25 | $0 | $25 | 0.48% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 506 | $3.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 506 | $3.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 155 | $309K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 155 | $309K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 155 | $309K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 155 | $309K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 506 | $3.6M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 155 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.