| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE ST., STE 320 HOUSTON, TX 77057 | BLUE CROSS BLUE SHIELD | $109K | $6K | $115K | 1.10% |
| BUSINESS FINANCIAL GROUP3 | 500 N LOOP 1604 E STE 250 SAN ANTONIO, TX 782321240 | BLUE CROSS BLUE SHIELD | $47K | — | $47K | 0.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 3103 P.O. BOX 123103 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 11.61% |
| BUSINESS FINANCIAL GROUP3 | 500 N LOOP 1604 E STE 250 SAN ANTONIO, TX 78232 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 3.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 3103 P.O. BOX 123103 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 11.41% |
| BUSINESS FINANCIAL GROUP3 | 500 N LOOP 1604 E STE 250 SAN ANTONIO, TX 78232 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE ST. STE 320 HOUSTON, TX 77057 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 3103 P.O. BOX 123103 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.49% |
| BUSINESS FINANCIAL GROUP3 | 500 N LOOP 1604 E STE 250 SAN ANTONIO, TX 78232 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $873 | — | $873 | 3.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 3103 P.O. BOX 123103 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $637 | — | $637 | 11.05% |
| BUSINESS FINANCIAL GROUP3 | 500 N LOOP 410 E STE 250 SAN ANTONIO, TX 78232 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | — | $228 | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $156K |
| BENEFIT MANAGEMENT ADMINISTRATORS EIN 74-2666638 FLEX PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 11550 IH 10 WEST, STE 220 SAN ANTONIO, TX 78230 | $18K |
| BUSINESS FINANCIAL GROUP EIN 74-2900243 BROKER | Other commissions Service code 55 | 500 N LOOP 1604 STE 250 SAN ANTONIO, TX 78232 | $0 |
| LOCKTON COMPANIES LLC EIN 20-0335490 BROKER | Other commissions Service code 55 | 5847 SAN FELIPE, STE 320 HOUSTON, TX 77057 | $0 |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,699 | $10.5M |
| Dental | BLUE CROSS BLUE SHIELD | 1,699 | $10.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,147 | $91K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 60 | $294K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 808 | $149K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 560 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,699 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.