| 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 | BLUECROSS BLUESHIELD OF TEXAS | $5K | $30K | $35K | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | BLUECROSS BLUESHIELD OF TEXAS | $4K | $0 | $4K | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1010 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | STANDARD INSURANCE COMPAN | $17K | — | $17K | 7.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPAN | $4K | — | $4K | 1.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $624 | — | $624 | 20.00% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC | 1010 PARK AVE 12TH FLOOR NEW YORK, NY 10016 | ACE AMERICAN INSURANCE COMPANY | $468 | — | $468 | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES, INC. | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | ALPHA DENTAL PROGRAMS, INC. | $860 | — | $860 | — |
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 | 1,085 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 977 | $5.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 799 | $0 |
| Vision(2 contracts) | EYEMED VISION CARE | 857 | $65K |
| Life insurance | STANDARD INSURANCE COMPAN | 1,048 | $219K |
| Long-term disability | STANDARD INSURANCE COMPANY | 995 | $75K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 977 | $5.6M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 977 | $5.6M |
| Other | ACE AMERICAN INSURANCE COMPANY | 1,085 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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."
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.