| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $115K | $48K | $163K | 2.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 57.03% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 34.46% |
| KIMBERLY KAY DIXON3 | 2300 MAIDENS CASTLE DRIVE LEWISVILLE, TX 75056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 18.64% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI AND OTHERS | 1327 SPIRIT FALLS DRIVE FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.43% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DRIVE NE, SUITE J RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA BROWN | 827 COLORADO RIVER DRIVE GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.12% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 NORTH CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $287 | $0 | $287 | 10.00% |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,103 | $5.8M |
| Dental | STANDARD INSURANCE COMPANY | 465 | $360K |
| Vision | STANDARD INSURANCE COMPANY | 465 | $360K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $370K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $370K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $370K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,103 | $5.8M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,103 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.