| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON INC | — | BLUECROSS BLUESHIELD OF TEXAS | $55K | $5K | $59K | 3.41% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNITED CONCORDIA INSURANCE COMPANY | $14K | $2K | $16K | 9.93% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON, INC. | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $465 | $7K | 9.28% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.85% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $379 | $8K | 10.80% |
| DAVID L COOPER3 | 1320 SOUTH UNIVERSITY DRIVE SUITE 1000 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.53% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON, INC. | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $490 | $7K | 10.22% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $692 | — | $692 | 1.07% |
| ALLEN, CANNON, EDWARD3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.12% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 NORTH CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $464 | $10K | 15.73% |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 238 | $159K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $74K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 413 | $1.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.