| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $209K | $9K | $218K | 6.85% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGE | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 9.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LL | 6200 SAVOY DR SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 9.14% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | 2800 NORTH LOOP WEST # 1100 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | — | COMBINED INSURANCE COMPANY | $37K | — | $37K | 24.46% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INS AGY LLC | — | COMBINED INSURANCE COMPANY | $16K | — | $16K | 10.48% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | 2800 NORTH LOOP WEST # 1100 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.98% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.46% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | INC 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.54% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | 2800 NORTH LOOP WEST # 1100 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $944 | $944 | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | 2800 NORTH LOOP WEST # 1100 HOUSTON, TX 77092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $875 | $875 | 5.00% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $664 | $664 | 3.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $581 | $581 | 3.32% |
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 | 515 | 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) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,023 | $3.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $319K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $59K |
| Life insurance(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY | 515 | $272K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $436K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,023 | $3.2M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 515 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.