| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.78% |
| LANDON K OVERBY3 | 820 GESSNER RD STE 250 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.19% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | — | $425 | 0.58% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.30% |
| LANDON K OVERBY3 | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | STANDARD INSURANCE COMPANY | $720 | — | $720 | 1.70% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.05% |
| LANDON K OVERBY3 | 820 GESSNER RD STE 250 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.95% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MIELETTE & BRITT INSURANCE | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | WESTPORT INSURANCE CORPORATION | $852 | — | $852 | 5.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $852 | — | $852 | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INC | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 11.54% |
| LANDON K OVERBY3 | 820 GESSNER RD STE 250 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 3.52% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP PENSION ADMINISTRATORS, INC EIN 75-1617587 NONE | Contract Administrator; Participant communication; Insurance agents and brokers Service code 13 | — | $97K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $115K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $75K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 193 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.