| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $152K | $29 | $152K | 4.99% |
| VERSABAR, INC.3 | 11349 FM 529 HOUSTON, TX 77041 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $17K | $14K | $31K | 13.93% |
| CALDERWOOD FINANCIAL STRATEGIES INC3 | 510 BERING DRIVE, SUITE 540 HOUSTON, TX 77057 | HUMANA INSURANCE COMPANY | $15K | $0 | $15K | 9.59% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LLC | 1050 WILCREST DRIVE HOUSTON, TX 77042 | HUMANA INSURANCE COMPANY | -$361 | $0 | -$361 | -0.23% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 445 | $3.0M |
| Dental | HUMANA INSURANCE COMPANY | 195 | $157K |
| Vision | STANDARD INSURANCE COMPANY | 297 | $220K |
| Life insurance | STANDARD INSURANCE COMPANY | 297 | $220K |
| Short-term disability | STANDARD INSURANCE COMPANY | 297 | $220K |
| Long-term disability | STANDARD INSURANCE COMPANY | 297 | $220K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 445 | $3.0M |
| Other | STANDARD INSURANCE COMPANY | 297 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.