| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $2K | $21 | $2K | 0.13% |
| NETHERLAND, SEWELL & ASSOCIATES,INC0 Filed as: NETHERLAND, SEWELL, & ASSOCIATES, I | 2100 ROSS AVENUE, SUITE 2200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $6 | $6 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY, INC. | $0 | $25 | $25 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY, INC. | — | $17 | $17 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY OF TEXAS LLC | 5956 SHERRY LANE SUITE 2000 DALLAS, TX 75225 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 6100 FAIRVIEW RD. # 800 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY OF TEXAS LLC | 5956 SHERRY LANE SUITE 2000 DALLAS, TX 75225 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 6100 FAIRVIEW RD. # 800 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 1445 ROSS AVE, STE. 4200 DALLAS, TX 75202 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | — |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 335 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY, INC. | 490 | $159K |
| Vision | EYEMED VISION CARE | 311 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $115K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $86K |
| Other | FEDERAL INSURANCE COMPANY | 172 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.