| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICHLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $56K | $71K | 2.62% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 17.23% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICHLETTE & BRITT INS AGENCY | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | UNITEDHEALTHCARE INSURANCE COMPANY | $793 | $0 | $793 | 0.53% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| ASSUREDPARTNERS5 | 840 GESNER ROAD, SUITE 700 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.52% |
| ASSUREDPARTNERS3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, FL 78232 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.82% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT OF FL LLC | 850 CONCOURSE PARKWAY SOUTH SUITE 150 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.17% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $217 | $0 | $217 | 0.35% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $127K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $2.7M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.