| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $36K | $2K | $38K | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | BLUECROSS BLUESHIELD OF TEXAS | $17K | $0 | $17K | 0.60% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $24K | $16K | $39K | 20.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 265 FRANKLIN ST STE 1900 BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 7.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $0 | $341 | $341 | 0.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $104 | $10K | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $576 | $3K | 1.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $710 | $0 | $710 | 2.49% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 426 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $184K |
| Vision | VISION SERVICE PLAN | 194 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 232 | $191K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 232 | $191K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 232 | $191K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 426 | $2.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 232 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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.