| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | BLUECROSS BLUESHIELD OF TEXAS | $83K | — | $83K | 2.48% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | — | $26K | 6.03% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | DEARBORN LIFE INSURANCE COMPANY | $35K | — | $35K | 14.72% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 5.50% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 17.00% |
| DENNIS M PETERSON3 | PO BOX 2916 CEDAR PARK, TX 78630 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 11.00% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 23.07% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | PO BOX 922022 HOUSTON, TX 772922022 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST SUITE 1100 HOUSTON, TX 77092 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.90% |
| DENNIS M PETERSON3 | PO BOX 2916 CEDER PARK, TX 78630 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.80% |
| DICK CARR & ASSOCIATES INC3 | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.94% |
| BENEFIT ALLIANCE INC3 Filed as: BENEFIT ALLIANCE INC. | 1510 COUNTY ROAD 431 PLEASANTON, TX 78064 | TRANSAMERICA LIFE INSURANCE COMPANY | $70 | — | $70 | 0.48% |
| CHARLES D CARR | PO BOX 2747 GEORGETOWN, TX 78627 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 552 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 508 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 552 | $160K |
| Vision | VISION SERVICE PLAN | 288 | $43K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 436 | $240K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $138K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 436 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.