| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE, SUITE 320 HOUSTON, TX 77057 | BLUE CROSS BLUE SHIELD | $31K | — | $31K | 0.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON SE | DEPT 3103, PO BOX 123103 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $21K | $62K | 10.74% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 7922 WESTGLEN DRIVE SUITE 200 HOUSTON, TX 77063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 18.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON SE | DEPT 3103 PO BOX 123103 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $349 | $23K | 10.09% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $356 | $9K | 3.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON SE | DEPT 3103 PO BOX 123103 DALLAS, TX 753123103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $7K | $26K | 13.23% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 7922 WESTGLEN DRIVE SUITE 200 HOUSTON, TX 77063 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58K | $2K | $60K | 47.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - HOUSTON SE | DEPT 3103, PO BOX 123103 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $2K | $27K | 21.60% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC. | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $879 | — | $879 | 0.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC | 5847 SAN FELIPE, SUITE 320 HOUSTON, TX 77057 | ZURICH AMERICAN INSURANCE COMPANY | $173 | — | $173 | 15.04% |
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 | 630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,027 | $9.5M |
| Dental | BLUE CROSS BLUE SHIELD | 2,027 | $9.5M |
| Vision | VISION SERVICE PLAN | 566 | $66K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 673 | $900K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 673 | $577K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 2,027 | $9.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 2,027 | $9.5M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 673 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,027 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.