| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (NE SERIES) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $57K | — | $57K | 3.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $18K | $18K | 1.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 0.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COS, LLC (DUNNING SERIES) | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (NE SERIES) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $59K | — | $59K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 1.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 0.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COS, LLC (DUNNING SERIES) | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 10.00% |
| 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 | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 9.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $14K | — | $14K | 15.00% |
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 | 2,547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,770 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 43 | $167K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK, INC | 1,113 | $391K |
| Vision | AETNA LIFE INSURANCE COMPANY | 43 | $167K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,546 | $987K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,260 | $1.6M |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,882 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,882 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.