| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.69% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.21% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 602 VIRGINIA STREET EAST CHARLESTON, WV 25301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.09% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | — | $2K | 10.24% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT | 1111 N LOOP W #400 HOUSTON, TX 77008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $822 | — | $822 | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $153 | — | $153 | 9.16% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $44 | — | $44 | 10.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 TPA | Claims processing; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Float revenue; Participant communication; Other services Service code 12 | — | $514K |
| BOWEN MICLETTE & BRITT INSURANCE EIN 26-3860108 BROKER | Insurance agents and brokers Service code 22 | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | $170K |
| CIGNA | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $192K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $170K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $208K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 512 | $31K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 392 | $458K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
No prospect flags tripped on this filing.