| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 417484 BOSTON, MA 02241 | BENISTAR / EXPRESS SCRIPTS, INC. | $5K | — | $5K | 2.50% |
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE C100 WEST HARTFORD, CT 06107 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PI 16TH FL BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PL 16TH FL BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $154 | — | $154 | 10.03% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 50 | $222K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 165 | $2K |
| Prescription drug(3 contracts, 3 carriers) | BENISTAR / EXPRESS SCRIPTS, INC. | 74 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.