| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $181K | $0 | $181K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $29K | $0 | $29K | 0.29% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 120 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75K | $0 | $75K | 14.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.36% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.79% |
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 | 720 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 1,693 | $9.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF TEXAS | 1,693 | $9.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 874 | $116K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 720 | $536K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 720 | $536K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 720 | $536K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF TEXAS | 1,693 | $9.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 720 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,693 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.