| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | BLUECROSS BLUESHEILD OF TEXAS | $122K | $0 | $122K | 2.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.49% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.03% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 11.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 0.98% |
| JOHN W. BUSCH4 | 2028 EAST BEN WHITE BOULEVARD SUITE 240-8808 AUSTIN, TX 78741 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 12.34% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $252 | $0 | $252 | 2.97% |
| JOHN BUSCH4 | 5515 BIRDWOOD ROAD HOUSTON, TX 77096 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $217 | $0 | $217 | 2.55% |
| PENNY JAR LLC4 | 13954 VALLEY COUNTRY DRIVE CHANTILLY, VA 20151 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $146 | $0 | $146 | 1.72% |
| KIMBERLY DAWN ACOSTA4 | 1026 BRIDLEWOOD NEW BRAUNFELS, TX 78132 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.34% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF TEXAS | 1,144 | $5.3M |
| Dental | BLUECROSS BLUESHEILD OF TEXAS | 1,144 | $5.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 282 | $78K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 828 | $319K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 828 | $319K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 828 | $319K |
| Prescription drug | BLUECROSS BLUESHEILD OF TEXAS | 1,144 | $5.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 828 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.