| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $119K | $27K | $145K | 5.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | — | BLUECROSS BLUESHIELD OF TEXAS | — | $11K | $11K | 0.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | — | $22 | $22 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1600 WEST 7TH STREET SUITE 300 FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | — | $16 | $16 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH 7 MCLENNAN AGENCY LLC | 8144 WALNUT HILL 15TH FLOOR DALLAS, TN 75231 | BLUECROSS BLUESHIELD OF TEXAS | — | $16 | $16 | 0.00% |
| TEXAS ENTERPRISES, INC.3 | 4911 EAST 7TH STREET AUSTIN, TN 78702 | BLUECROSS BLUESHIELD OF TEXAS | — | $13 | $13 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $41K | $13K | $53K | 18.93% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DEARBORN LIFE INSURANCE COMPANY | 513 | $281K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 513 | $281K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 513 | $281K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 513 | $281K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 430 | $2.8M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 513 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.