| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $102K | — | $102K | 4.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 1.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79K | — | $79K | 6.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 2.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 8.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - NY, NY | PO BOX 417484 BOSTON, MA 022417484 | EYEMED VISION CARE | $27K | — | $27K | 7.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $35K | $7K | $42K | 11.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF NEW YORK, INC | $11K | — | $11K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
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 | 2,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,645 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 64 | $449K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,031 | $574K |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 3,861 | $716K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,933 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,877 | $2.5M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,044 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,861 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.