| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $4K | $48K | 10.11% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $101 | $101 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $14K | $47K | 21.69% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $7K | $28K | 19.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMBINED INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 34.28% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | COMBINED INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 29.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 19.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FRINGE BENEFIT GROUP | $5K | $4K | $10K | 17.92% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | FRINGE BENEFIT GROUP | — | $7K | $7K | 12.67% |
| PHCS3 Filed as: MULTIPLAN, INC. | PO BOX 29380 NEW YORK, NY 10087 | FRINGE BENEFIT GROUP | — | $2K | $2K | 3.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $9K | 20.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS, INC. | $3K | $166 | $3K | 10.29% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS, INC. | — | $223 | $223 | 0.75% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUP LLC | 21805 WEST FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | METLIFE LEGAL PLANS, INC. | — | $138 | $138 | 0.47% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGTON, AL 35243 | METLIFE LEGAL PLANS, INC. | — | $32 | $32 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | — | $3 | $3 | 0.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | COMBINED INSURANCE COMPANY | $14K | — | $14K | 63.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMBINED INSURANCE COMPANY | $6K | — | $6K | 27.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $511 | — | $511 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.9M |
| WEX, INC. EIN 01-0526993 ADMINISTRATOR | Claims processing Service code 12 | — | $12K |
| RXBENEFITS, INC. EIN 63-1157085 ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | $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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FRINGE BENEFIT GROUP | 63 | $54K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,297 | $473K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,297 | $473K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,172 | $238K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $73K |
| Prescription drug | FRINGE BENEFIT GROUP | 63 | $54K |
| Other(5 contracts, 5 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 2,172 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,172 | — |
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.
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.