| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | BLUECROSS BLUESHIELD OF TEXAS | $136K | $5 | $136K | 2.98% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $83 | $67K | 13.84% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 6.00% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 17.00% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | VISION SERVICE PLAN | $2K | — | $2K | 3.19% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 26.49% |
| HAHN FINANCIAL GROUP3 | 3101 S PHILLIPS AVE SIOUX FALLS, SD 57105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.04% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.95% |
| BENEFIT ALLIANCE INC | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $207 | — | $207 | 0.81% |
| CHARLES D CARR3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $79 | — | $79 | 0.31% |
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 | 583 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 751 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $486K |
| Vision | VISION SERVICE PLAN | 380 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $486K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $161K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $557K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.