| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF TEXAS | $147K | $0 | $147K | 4.17% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $42K | $9K | $52K | 18.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 24.83% |
| SHERILL ASHLEY HERNANDEZ3 Filed as: SHERILL ASHLEY-HERNANDEZ | 10933 NW 55TH STREET CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.71% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO, SUITE 600 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.43% |
| SHIRLEY E MARTIN3 Filed as: SHIRLEY E. MARTIN | 500 BAYVIEW DRIVE, SUITE 328 SUNNY ISLES BEACH, FL 33160 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.30% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 1054 GATEWAY BOULEVARD, SUITE 103 BOYNTON BEACH, FL 33426 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $492 | $0 | $492 | 0.75% |
| BRITTANY N TALLON3 Filed as: BRITTANY N. TALLON AND OTHER AGENTS | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 619 | $3.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 619 | $3.5M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 668 | $56K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 422 | $282K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 422 | $282K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 422 | $282K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 619 | $3.5M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 422 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.