| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP WEST #400 HOUSTON, TX 77008 | BLUECROSS BLUESHIELD OF TEXAS | $133K | $11K | $143K | 3.35% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 5.53% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP WEST #400 HOUSTON, TX 77008 | DEARBORN LIFE INSURANCE COMPANY | $35K | $12K | $47K | 19.67% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP WEST #400 HOUSTON, TX 77008 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.83% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 17.52% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.27% |
| BENEFIT ALLIANCE INC3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $793 | — | $793 | 0.58% |
| CHARLES D CARR3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $185 | — | $185 | 0.13% |
| SUMMIT ALLIANCE BENEFIT COMPANY LP3 | 14785 PRESTON RD. STE 1000 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ZACHARY EVERMAN3 | 21327 COLD RAIN DRIVE RICHMOND, TX 77407 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP WEST #400 HOUSTON, TX 77008 | VISION SERVICE PLAN | $2K | — | $2K | 2.71% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 27.03% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 N LOOP WEST #400 HOUSTON, TX 77008 | METLIFE LEGAL PLANS, INC. | $3K | — | $3K | 9.83% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | — |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | — |
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 | 527 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 643 | $4.8M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 717 | $704K |
| Vision | VISION SERVICE PLAN | 349 | $57K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 717 | $453K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $0 |
| Other(5 contracts, 5 carriers) | DEARBORN LIFE INSURANCE COMPANY | 717 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.