| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $124K | $1K | $126K | 1.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $91K | $91K | 1.36% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $33K | $43K | 0.63% |
| LOCKTON COMPANIES, LLC3 | 180 MONTGOMERY STREET SAN FRANCISO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $17K | $74K | $90K | 5.85% |
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 | 6,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,117 | $6.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 6,506 | $853K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,117 | $6.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,191 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,117 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,117 | — |
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."
No prospect flags tripped on this filing.