| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNITED HEALTHCARE INSURANCE COMPANY | -$7K | $103K | $95K | 6.02% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $43 | $45K | 11.84% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 420 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $377K |
| Vision | VISION SERVICE PLAN | 181 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $377K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $377K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 420 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.