| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | UNKNOWN DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF TEXAS | $50K | $1K | $51K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 15TH FLOOR DALLAS, TX 85231 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $27K | $27K | 1.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 11.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 6.96% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $399 | $137 | $536 | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL, 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $268 | $0 | $268 | 2.81% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HUMANA INSURANCE COMPANY | $96 | $0 | $96 | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $54 | $0 | $54 | 3.50% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK RAOD, SUITE 106 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $2 | $0 | $2 | 0.13% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 296 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 26 | $10K |
| Vision | HUMANA INSURANCE COMPANY | 18 | $2K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $168K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $168K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 296 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.