| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $34K | — | $34K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC (MIAMI) | 1450 BRICKELL AVE. SUITE 1600 MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $22K | — | $22K | 3.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 7.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY STE 345 HOUSTON, TX 77036 | ALLSTATE | $5K | — | $5K | 27.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE #1200 DALLAS, TX 75201 | ALLSTATE | $3K | — | $3K | 15.33% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77056 | ALLSTATE | $478 | — | $478 | 2.78% |
| ROSEMARY CHOI3 | 5442 MCCULLOUGH CIRCLE HOUSTON, TX 77056 | ALLSTATE | $342 | — | $342 | 1.99% |
| WILLIAM PARKS3 | 3788 RICHMOND AVE APT 1419 HOUSTON, TX 77046 | ALLSTATE | $227 | — | $227 | 1.32% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | ALLSTATE | $206 | — | $206 | 1.20% |
| DALLAS MORENO3 | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | ALLSTATE | $126 | — | $126 | 0.73% |
| ALLISON A WISE3 | 7142 LAGUNA VILLAS HOUSTON, TX 77036 | ALLSTATE | $70 | — | $70 | 0.41% |
| RIGOBERTO MARTINEZ JR.3 | 17619 HANOVERIAN DR RICHMOND, TX 77407 | ALLSTATE | $47 | — | $47 | 0.27% |
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 | 771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 678 | $568K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 678 | $568K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $112K |
| Short-term disability | ALLSTATE | 30 | $17K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $112K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 708 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.