| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE 100 WEST HARTFORD, CT 06107 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | $129 | $115K | 5.05% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $106K | $106K | 4.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.61% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $270 | $270 | 0.01% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $5K | $0 | $5K | 17.00% |
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 | 2,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 3,487 | $18.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,963 | $2.3M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,963 | $2.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,963 | $2.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,963 | $2.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,963 | $2.3M |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 3,487 | $18.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,963 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,963 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.