| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $110K | — | $110K | 1.26% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $52 | $10K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 4.33% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $375 | $375 | 0.09% |
| DSI INTERNATIONAL LANGUAGE5 Filed as: DSI INTL. LANGUAGE CONSULTANTS INC. | PO BOX 236 CHATHAM, NJ 07928 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $325 | $325 | 0.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $10K | — | $10K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
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 | 1,175 | 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) | 1,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,761 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,876 | $557K |
| Vision | VISION SERVICE PLAN | 890 | $97K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,175 | $423K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,175 | $423K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,175 | $423K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,761 | $8.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,175 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,876 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.