| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | PO BOX 922022 HOUSTON, TX 772922022 | BLUECROSS BLUESHIELD OF TEXAS | $123K | $10K | $133K | 3.85% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | PO BOX 922022 HOUSTON, TX 772922022 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | — | $26K | 5.88% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | DEARBORN LIFE INSURANCE COMPANY | $39K | $4K | $43K | 16.39% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | 2800 NORTH LOOP WEST STE 100 HOUSTON, TX 770928825 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.45% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 17.00% |
| DENNIS M PETERSON3 | 103 KELLOGG LN BASTROP, TX 78602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 11.00% |
| DENNIS M PETERSON3 | 103 KELLOGG LN BASTROP, TX 78602 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | — | $34K | 28.08% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 18.87% |
| BENEFIT ALLIANCE INC3 | 1510 COUNTY ROAD 431 PLEASANTON, TX 78064 | TRANSAMERICA LIFE INSURANCE COMPANY | $230 | — | $230 | 0.19% |
| CHARLES D CARR3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $69 | — | $69 | 0.06% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | PO BOX 922022 HOUSTON, TX 772922022 | VISION SERVICE PLAN | $2K | — | $2K | 3.51% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.09% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.93% |
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 | 498 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 498 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $164K |
| Vision | VISION SERVICE PLAN | 277 | $47K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 469 | $262K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $141K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 469 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.