| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $181K | $18K | $199K | 10.02% |
| EMPERYEAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | PRINCIPAL LIFE INSURANCE COMPANY | — | $285 | $285 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKTON-DUNNING SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 30.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DALLAS SERIES DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $4K | 5.50% |
| LTCG3 | 8601 N SCOTTSDALE RD STE 335 SCOTTSDALE, AZ 85253 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.01% |
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 | 9,639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 100 | $625K |
| Vision | VISION SERVICE PLAN | 6,848 | $969K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,103 | $2.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 9,640 | $1.9M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 9,640 | $1.9M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,306 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,640 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.