| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $88K | $25K | $114K | 19.33% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $179 | $179 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $7K | $7K | 1.66% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $51K | $0 | $51K | 26.79% |
| LOCKTON COMPANIES, LLC5 | 319 WEST OAK DENTON, TX 76201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.98% |
| DARELL LAWAYNE EIDSON3 | 16700 HIGHWAY 280 SUITE 219 CHELSEA, AL 35043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 6.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NW LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 3.87% |
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 | 886 | 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) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,452 | $438K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,389 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 886 | $588K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 886 | $588K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 886 | $588K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 886 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,452 | — |
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.