| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF TEXAS | $44K | — | $44K | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 11.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 12.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | STANDARD INSURANCE COMPANY | $140 | — | $140 | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 101 PARK AVENUE NEW YORK, NY 10178 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $934 | — | $934 | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENEUE SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $3K | $2K | $4K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 101 PARK AVENUE NEW YORK, NY 10178 | DELTA DENTAL INSURANCE COMPANY | $1K | $0 | $1K | — |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,310 | $10.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 624 | $0 |
| Vision(2 contracts) | EYEMED VISION CARE | 1,146 | $106K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,196 | $273K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,017 | $83K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,310 | $10.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 1,310 | $10.3M |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 0 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,310 | — |
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.