| 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 | — | $14K | $14K | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST STE 3400 CHICAGO, IL 606613778 | METROPOLITAN LIFE INSURANCE COMPANY | — | $133 | $133 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 7.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC C/O COMMERCE BANK | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 2.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC C/O COMMERCE BANK | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 2.60% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $3K | — | $3K | 1.81% |
| 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 | 2.60% |
| REUBEN WARNER ASSOCIATES, INC.3 | — | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 18.20% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $522 | $522 | 18.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $481K |
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 | 1,199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,471 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,019 | $168K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,495 | $604K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,462 | $307K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,677 | $922K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 1,462 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,677 | — |
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.