| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MS BENEFITS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $547K | $0 | $547K | 34.12% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $139K | $0 | $139K | 8.68% |
| JOE FERNANDEZ3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $96K | $0 | $96K | 5.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 1.57% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 1.23% |
| TBX EMPLOYEE BENEFITS LLC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 0.45% |
| TRACEY HINRICHS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $32 | $0 | $32 | 0.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $6K | $123K | 10.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | $8K | $62K | 11.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.43% |
| MS BENEFITS3 | — | COMBINED INSURANCE | $169K | $0 | $169K | 51.39% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMBINED INSURANCE | $43K | $0 | $43K | 13.02% |
| TBX EMPLOYEE BENEFITS LLC3 | — | COMBINED INSURANCE | $25K | $0 | $25K | 7.65% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | — | COMBINED INSURANCE | $7K | $0 | $7K | 2.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | COMBINED INSURANCE | $6K | $0 | $6K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $2K | $31K | 10.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $493 | $493 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $933 | $9K | 11.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $292 | $292 | 0.37% |
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 | 10,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,196 | $9.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,961 | $1.2M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,946 | $292K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,535 | $624K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 6,223 | $1.6M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,196 | $9.3M |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 10,535 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,535 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.