| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 DALLAS, TX 75312 | BLUECROSS BLUESHEILD OF TEXAS | $23K | $19K | $42K | 5.71% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN REGION | $26K | $0 | $26K | 4.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 8.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.65% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, KS 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 18.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | $0 | $352 | 0.74% |
| JOHN W. BUSCH4 | 1005 SOUTH MKL BOULEVARD TEMPLE, TX 76504 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 9.75% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICA SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $677 | $0 | $677 | 4.77% |
| KIMBERLY DAWN ACOSTA4 Filed as: KIMBERLY ACOSTA PEPIN | 1026 BRIDLEWOOD NEW BRAUNFELS, TX 78132 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.20% |
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 | 865 | 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) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN REGION | 62 | $633K |
| Dental | BLUECROSS BLUESHEILD OF TEXAS | 1,558 | $733K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 292 | $115K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,203 | $533K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,203 | $533K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,203 | $533K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN REGION | 62 | $633K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,203 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,558 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.