| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 1.32% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 1.32% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 1.32% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS, INC. | 26 CENTURY BLVD, FL 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $5K | $44K | 11.25% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS, INC. | PO BOX 416672 BOSTON, MA 02241 | DELTA DENTAL | $8K | — | $8K | 3.73% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $855 | — | $855 | 1.34% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS, INC. | 26 CENTURY BLVD, FL 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $548 | $7K | 16.25% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $11 | — | $11 | 0.33% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | -$48 | — | -$48 | -2.59% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 129 | $2.9M |
| Dental | DELTA DENTAL | 386 | $224K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $438K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.