| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP W STE 1100 HOUSTON, TX 77092 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | — | $116K | 14.11% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 77292 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 6.04% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP W SUITE 1100 HOUSTON, TX 77092 | DEARBORN LIFE INSURANCE COMPANY | $33K | $10K | $43K | 21.86% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY | 2800 NORTH LOOP WEST, STE 1100 HOUSTON, TX 77092 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.84% |
| DENNIS M PETERSON3 | 103 KELLOGG LN BASTROP, TX 78602 | TRANSAMERCIA LIFE INSURANCE COMPANY | $18K | — | $18K | 12.81% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERCIA LIFE INSURANCE COMPANY | $13K | — | $13K | 9.36% |
| BENEFIT ALLIANCE INC3 | 1510 COUNTY ROAD 431 PLEASANTON, TX 78064 | TRANSAMERCIA LIFE INSURANCE COMPANY | $264 | — | $264 | 0.18% |
| CHARLES D CARR3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERCIA LIFE INSURANCE COMPANY | $79 | — | $79 | 0.06% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 15.67% |
| DENNIS M PETERSON3 | 103 KELLOGG LN BASTROP, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 12.33% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 77292 | VISION SERVICE PLAN | $2K | — | $2K | 4.33% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY | PO BOX 922022 HOUSTON, TX 77292 | METLIFE LEGAL PLANS | $2K | $805 | $2K | 9.02% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP W SUITE 1100 HOUSTON, TX 77092 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $259 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTATOR | Direct payment from the plan; Non-monetary compensation; Claims processing; Other services; Named fiduciary; Float revenue; Participant communication; Contract Administrator Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $14K |
| CIGNA | Contract Administrator; Non-monetary compensation; Participant communication; Float revenue; Claims processing; Named fiduciary; Direct payment from the plan; Other services Service code 12 | — | $0 |
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 | 413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 452 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $155K |
| Vision | VISION SERVICE PLAN | 274 | $40K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 413 | $194K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $141K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 413 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.