| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPPE, SUITE 320 HOUSTON, TX 77057 | DELTA DENTAL INSURANCE COMPANY | $30K | — | $30K | 4.96% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE, SUITE 320 HOUSTON, TX 77057 | AETNA LIFE INSURANCE COMPANY | $80K | $20K | $100K | 17.10% |
| LOCKTON COMPANIES, LLC3 | 401 SONTERRA BOULEVARD, SUITE 125 SAN ANTONIO, TX 78258 | AETNA LIFE INSURANCE COMPANY | — | $331 | $331 | 0.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | VISION SERVICE PLAN | $3K | — | $3K | 2.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 21.95% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 0.06% |
| MJ INSURANCE3 Filed as: ALLISON A. WISE AND VARIOUS AGENTS | 2801 WATERWALL DRIVE, SUITE 143 HOUSTON, TX 77506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| DALLES MORENO3 | 6135 RIDGE PLACE STREET SAN ANTONIO, TX 75250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| BRYAN INGLIS3 | 1901 POST OAK BOULEVARD, SUITE 2209 HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| ALLEN BAKER3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| KYLE MATTHEW CLEMENT3 | 3229 INDIAN TRI FLOWER MOUND, TX 75022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | HYATT LEGAL PLANS | $1K | — | $1K | 10.25% |
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 | 1,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 108 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,595 | $606K |
| Vision | VISION SERVICE PLAN | 1,008 | $162K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,956 | $586K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,956 | $586K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,956 | $586K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,956 | $757K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,595 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.