| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 2800 NORTH LOOP W, SUITE 1100 HOUSTON, TX 77092 | BLUECROSS BLUESHIELD OF TEXAS | $271K | $0 | $271K | 5.61% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | PO BOX 922022 HOUSTON, TX 99292 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 2.40% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | PO BOX 922022 HOUSTON, TX 77292 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 1.68% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 2800 NORTH LOOP W, SUITE 1100 HOUSTON, TX 77092 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $55K | $14K | $69K | 17.46% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $0 | $40K | 16.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $441 | $40K | 16.08% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP W, SUITE 1100 HOUSTON, TX 77092 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $0 | $34K | 13.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $8K | $20K | 8.28% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.46% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 2800 NORTH LOOP W, SUITE 1100 HOUSTON, TX 77092 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | $0 | $11K | 4.68% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 2800 NORTH LOOP W, SUITE 1100 HOUSTON, TX 77092 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.02% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 2800 NORTH LOOP W, SUITE 1100 HOUSTON, TX 77092 | METLIFE LEGAL PLANS, INC. | $2K | $0 | $2K | 100.00% |
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 | 732 | 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) | 732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,006 | $5.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,006 | $4.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 504 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 732 | $398K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 732 | $398K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 732 | $398K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,006 | $5.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 732 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.