| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF TEXAS | $130K | $93K | $223K | 3.03% |
| THE MUND GROUP LTD3 | 256 W MILL ST NEW BRAUNFELS, TX 78130 | METROPOLITAN LIFE INSURANCE | $158K | — | $158K | 18.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSING | Contract Administrator; Claims processing; Plan Administrator Service code 12 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | $92K |
| DELTA DENTAL EIN 94-2761537 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | P.O. BOX 1809 ALPHARETTA, GA 30023 | $41K |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,162 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE | 1,094 | $857K |
| Long-term disability | METROPOLITAN LIFE INSURANCE | 1,094 | $857K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 1,237 | $7.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE | 1,094 | $869K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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.