| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $125K | $10K | $134K | 13.70% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 5.71% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | DEARBORN LIFE INSURANCE COMPANY | $34K | — | $34K | 14.74% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.19% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $499 | $9K | 4.88% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 17.00% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $4K | $14K | 11.00% |
| DENNIS M PETERSON3 | PO BOX 2916 CEDAR PARK, TX 78630 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.21% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| BENEFIT ALLIANCE INC3 | 1510 COUNTY ROAD 431 PLEASANTON, TX 78064 | TRANSAMERICA LIFE INSURANCE COMPANY | $244 | — | $244 | 0.48% |
| CHARLES D CARR3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $84 | — | $84 | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | VISION SERVICE PLAN | $2K | — | $2K | 3.67% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 28.12% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | METLIFE LEGAL PLANS | $2K | $4 | $2K | 7.23% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | METLIFE LEGAL PLANS | $768 | — | $768 | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Claims processing; Other services Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, MN 06002 | $44K |
| CIGNA | Contract Administrator; Claims processing; Other services; Participant communication; Float revenue; Direct payment from the plan; Non-monetary compensation; Named fiduciary 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 | 607 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 607 | 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 | 428 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $175K |
| Vision | VISION SERVICE PLAN | 287 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 444 | $233K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $167K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 444 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.