| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD | $84K | — | $84K | 1.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMERICA BANK P.O. BOX 671410 DALLAS, TX 752671410 | BLUE CROSS BLUE SHIELD | $53K | — | $53K | 0.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMERICA BANK P.O. BOX 671410 DALLAS, TX 752671410 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 16.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE | $4K | — | $4K | 6.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1501 N PLANO 100 P.O. BOX 893036 RICHARDSON, TX 75081 | EYEMED VISION CARE | $1K | — | $1K | 1.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $137K |
| BENEFIT MANAGEMENT ADMINISTRATORS EIN 74-2666638 FLEX PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 11550 IH 10 WEST STE 220 SAN ANTONIO, TX 78230 | $14K |
| 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 | 444 W 47TH ST., STE 900 KANSAS CITY, KS 641121906 | $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 | 750 | 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) | 750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,245 | $7.6M |
| Dental | BLUE CROSS BLUE SHIELD | 1,245 | $7.6M |
| Vision | EYEMED VISION CARE | 1,061 | $66K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 309 | $203K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 808 | $115K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 309 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,245 | — |
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.