| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753120001 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $81K | $96K | 2.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 752011410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 3.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $2K | $24K | 17.57% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $23K | 17.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.40% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAT STE 550 PLANO, TX 750244019 | COMBINED INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 45.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | COMBINED INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 19.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC | 15717 ANTHEM PARK 508 SAN ANTONIO, TX 78249 | EYEMED VISION CARE | $3K | — | $3K | 10.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $688 | $4K | 18.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $987 | $987 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT ADMINISTRATORS EIN 74-2666638 FLEX PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 11550 IH 10 WEST STE 220 SAN ANTONIO, TX 78230 | $6K |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 568 | $3.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 568 | $3.7M |
| Vision(2 contracts) | EYEMED VISION CARE | 474 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $145K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $134K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $132K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 504 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.