| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $56K | $74K | 1.29% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $34K | $44K | 0.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $284 | $55K | 11.40% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 7.40% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 3.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.81% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $451 | $0 | $451 | 5.72% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, MO 78205 | METLIFE LEGAL PLANS, INC. | $428 | $0 | $428 | 5.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $121 | $121 | 1.53% |
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 | 803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,104 | $5.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,104 | $5.7M |
| Vision | VISION SERVICE PLAN | 350 | $69K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $485K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $485K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,104 | $5.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.