| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 4.72% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 4.39% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | 4155 PHELAN BOULEVARD BEAUMONT, TX 77707 | BLUECROSS BLUESHIELD OF TEXAS | $17K | $11K | $28K | 8.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $14K | $0 | $14K | 3.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 85312 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.83% |
| SHERLOCK INSURANCE AGENCY, INC.3 Filed as: SHERLOCK INSURANCE AGENCY | PO BOX 22237 BEAUMONT, TX 77720 | VISION SERVICE PLAN | $802 | $0 | $802 | 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 | 897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,337 | $344K |
| Vision | VISION SERVICE PLAN | 514 | $94K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 806 | $349K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 806 | $349K |
| Other | HARTFORD LIFE AND ACCIDENT | 806 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,337 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.