| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 741738 ATLANTA, GA 303741738 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 0.48% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 606613778 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $4K | $47K | 15.12% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.03% |
| LOCKTON COMPANIES, LLC3 | 15939 CENTER DRIVE CHICAGO, IL 606930159 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 82.68% |
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 | 1,226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,303 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,303 | $4.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,303 | $4.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $311K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $311K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,303 | $4.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,303 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.