| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1400 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 1.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 5.11% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STREET STE 201 GREENSBORO, NC 27408 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 4.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $4K | $27K | 17.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.40% |
| EBENCONCEPTS COMPANY3 | 3150 N. ELM STE 201 GREENSBORO, NC 27408 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET STE 900 KANSAS CITY, MO 641121906 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 5.71% |
| EBENCONCEPTS COMPANY3 | 3140 NORTH ELM STE 201 GREENSBORO, NC 27408 | HUMANA INSURANCE COMPANY | $657 | — | $657 | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting fees Service code 70 | — | $70K |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT, EIN 81-0400550 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $53K |
| ALLEGIANCE CARE MANAGEMENT, INC EIN 03-0507057 CARE MANAGEMENT | Other services; Other fees Service code 49 | — | $7K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 184 | $170K |
| Vision | HUMANA INSURANCE COMPANY | 167 | $21K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $150K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $150K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $150K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 169 | $690K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.