| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $0 | $166K | $166K | 3.90% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN WAYNE, PA 19087 | AETNA LIFE INSURANCE CO. | $0 | $87 | $87 | 0.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SUITE 17 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF PENNSYLVANIA | $20K | $0 | $20K | 5.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SUITE 17 SAN FRANCISCO, CA 94111 | SYMETRA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 9.94% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 913 | $4.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 818 | $398K |
| Vision | VISION SERVICE PLAN | 381 | $57K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 567 | $334K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 567 | $334K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 567 | $334K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 913 | $4.2M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 567 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.