| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | BLUE CROSS BLUE SHIELD OF TEXAS | $69K | $0 | $69K | 5.40% |
| PCR REAL ESTATE HOLDING COMPANY3 | 1360 POST OAK BOULEVARD SUITE 1900 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $6 | $6 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | AMERITAS LIFE INSURANCE CORP. | $8K | $0 | $8K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITEMAN ROAD, SUITE 310 MELVILLE, NY 11747 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 5.01% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE, SUITE 201 ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 12.13% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.04% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS. AGENCY | 1111 NORTH LOOP WEST, SUITE 400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.99% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 268 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 266 | $75K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 266 | $75K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 268 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.