| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 203383 DALLAS, TX 75320 | DELTA DENTAL INSURANCE COMPANY | $48K | $0 | $48K | 8.47% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $57K | $0 | $57K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $95 | $39K | 12.52% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 203383 DALLAS, TX 75320 | AMERITAS LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE COMPANY | $0 | $809 | $809 | 0.80% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY J. ALFORD INSURANCE CORP. | 1217 MUSEUM DRIVE HOUMA, LA 70360 | AMERITAS LIFE INSURANCE COMPANY | -$159 | $0 | -$159 | -0.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $95 | $5K | 11.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $849 | $849 | 1.93% |
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 | 1,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,276 | $568K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 1,733 | $101K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,965 | $354K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 458 | $379K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,965 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,276 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.