| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $14K | — | $14K | 1.45% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $14K | — | $14K | 1.45% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $5K | $47K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 02199 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $5K | — | $5K | 2.41% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $85 | — | $85 | 1.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $121 | — | $121 | 1.47% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 394 | $227K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $415K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $415K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.