| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHEILD OF TEXAS | $48K | — | $48K | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 0.97% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 11.66% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.30% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $3K | — | $3K | 3.86% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE | $2K | — | $2K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | — | $311 | 2.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.47% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $289 | — | $289 | 8.01% |
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 | 3,126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF TEXAS | 2,941 | $14.1M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,357 | $868K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,348 | $168K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,670 | $353K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,670 | $154K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF TEXAS | 2,941 | $14.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHEILD OF TEXAS | 2,941 | $14.1M |
| Other(5 contracts, 3 carriers) | MHN SERVICES | 3,126 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,126 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.