| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | UNKNOWN SAN ANTONIO, TX 78219 | DELTA DENTAL INSURANCE COMPANY | $18K | $0 | $18K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 9.66% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE SUITE 320 HOUSTON, TX 77057 | AETNA LIFE INSURANCE COMPANY | $15K | $174 | $15K | 5.04% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 AVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | $0 | $43K | 15.77% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 9.59% |
| ROSEMARY CHOI3 Filed as: ROSEMARY CHOI & VAR AGENTS | 5442 MCCULLOCH CIRCLE HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.72% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.26% |
| ALLEN BAKER3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.75% |
| DALLAS MORENO3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.47% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.46% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.36% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.61% |
| MJ INSURANCE3 Filed as: BRENNAN BAKER & VARIOUS AGENTS | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.36% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.02% |
| ALLEN BAKER3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.54% |
| ALLAN COMMODORE BAKER3 | 6200 SAVOY HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $817 | $0 | $817 | 0.43% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIRCLE HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $767 | $0 | $767 | 0.41% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 12.45% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.54% |
| BRENNAN BAKER3 Filed as: BRENNAN BAKER AND VAR. AGENTS | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.84% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.95% |
| ALLEN BAKER3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $647 | $0 | $647 | 0.54% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $404 | $0 | $404 | 0.34% |
| ROSEMARY CHOI3 | 5442 MCCULLOCH CIRCLE HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $376 | $0 | $376 | 0.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | HYATT LEGAL PLANS | $791 | $0 | $791 | 5.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | HYATT LEGAL PLANS | $718 | $0 | $718 | 4.77% |
| PROFESSIONAL ENROLLMENT CONCEPTS | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 10.67% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 9.33% |
| JUSTIN LEBLANC3 | 209 BELLAGIO DRIVE LAKEWAY, TX 78734 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 8.00% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 2.67% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 1.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 25.00% |
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 | 856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,161 | $366K |
| Vision | VISION SERVICE PLAN | 481 | $109K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 931 | $572K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 931 | $298K |
| Other(5 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 931 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,161 | — |
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.