| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS STREET, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | — | $5K | $5K | 0.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS STREET, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $152K | $0 | $152K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 2.14% |
| JOE FERNANDEZ3 | UNKNOWN FORT WORTH, TX 76109 | COMBINED INSURANCE | $253K | $0 | $253K | 20.04% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS STREET, SUITE 1200 DALLAS, TX 75201 | COMBINED INSURANCE | $103K | $0 | $103K | 8.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $121K | $0 | $121K | 10.00% |
| STEVE MCBRIDE3 | 6300 FALLWATER TRAIL, SUITE 120 THE COLONY, TX 75056 | NATIONWIDE | $6K | $0 | $6K | 0.50% |
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 | 5,977 | 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) | 5,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 810 | $7.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,977 | $1.5M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,977 | $1.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,977 | $1.5M |
| Short-term disability | COMBINED INSURANCE | 3,397 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 810 | $7.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,977 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,977 | — |
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.