| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS, STE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $6K | $6K | 0.07% |
| JOE FERNANDEZ3 | UNKNOWN UNKNOWN, TX 00000 | COMBINED INSURANCE COMPANY OF AMERICA | $448K | $0 | $448K | 25.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN UNKNOWN, TX 00000 | COMBINED INSURANCE COMPANY OF AMERICA | $131K | $0 | $131K | 7.46% |
| TBX EMPLOYEE BENEFITS LLC3 | UNKNOWN UNKNOWN, TX 00000 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, TX 00000 | COMBINED INSURANCE COMPANY OF AMERICA | $740 | $0 | $740 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | UNKNOWN UNKNOWN, TX 00000 | COMBINED INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD, SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $154K | $0 | $154K | 13.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS, STE 1200 DALLAS, TX 75201 | ZURICH AMERICAN INSURANCE COMPANY | $138K | $0 | $138K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FLOOR 15 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $44K | $0 | $44K | 3.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS, STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95K | $0 | $95K | 9.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS, STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | $0 | $58K | 9.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.81% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS | 7500 DALLAS PKWY, SUITE 550 PLANO, TX 75024 | COMBINED INSURANCE | $163K | $0 | $163K | 36.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS, SUITE 1200 DALLAS, TX 75201 | COMBINED INSURANCE | $41K | $0 | $41K | 9.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS, STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 9.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS, STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $638 | $0 | $638 | 0.85% |
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 | 9,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,250 | $9.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,462 | $1.0M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,439 | $265K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,165 | $708K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 4,722 | $1.8M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,250 | $8.4M |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 9,165 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,165 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.