| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | BLUE CROSS BLUE SHIELD OF TEXAS | $88K | $0 | $88K | 2.91% |
| ASSUREDPARTNERS3 | 840 GESSNER ROAD, SUITE 700 HOUSTON, TX 77024 | COMBINED INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 25.66% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.55% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 25.64% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT OF FL LLC | 850 CONCOURSE PARKWAY SOUTH SUITE 105 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.51% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $928 | $0 | $928 | 0.97% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 2800 NORTH LOOP WEST, SUITE 1100 HOUSTON, TX 77092 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 18.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ASSUREDPARTNERS5 | 840 GESSNER ROAD, SUITE 700 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.77% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 404 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 404 | $3.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 169 | $27K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 219 | $169K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 404 | $3.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 483 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.