| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 1.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST STE 3400 CHICAGO, IL 606613778 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC C/O COMMERCE BANK | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC C/O COMMERCE BANK | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.35% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $3K | — | $3K | 1.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC C/O COMMERCE BANK | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $139 | $139 | 0.35% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 18.20% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET CHICAGO, IL 60661 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $607 | $607 | 18.21% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET CHICAGO, IL 60661 | HARTFORD LIFE AND ACCIDENT | $500 | — | $500 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $542K |
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 | 1,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,416 | $987K |
| Vision | VISION SERVICE PLAN | 955 | $151K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,359 | $577K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,317 | $288K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,539 | $774K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 1,317 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,539 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.