| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $78K | — | $78K | 5.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANEIS, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $73K | $73K | 4.76% |
| WEBTPA EMPLOYER SERVICES LLC3 Filed as: WEBTPA EMPLOYER SERVICES, LLC | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $8K | $531 | $9K | 11.16% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $575 | $575 | 0.72% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $72 | $72 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $9 | $9 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.3M |
| SWORD HEALTH TECHNOLOGIES, INC EIN 83-4333673 ADMINISTRATOR | Contract Administrator Service code 13 | — | $389K |
| CAPITAL RX, INC. RX ADMINISTRATOR | Contract Administrator Service code 13 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | $324K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $89K |
| FIDELITY INVESTMENTS FSA/HSA ADMINISTRATOR | Contract Administrator Service code 13 | 900 SALEM STREET SMITHFIELD, RI 02917 | $36K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH ST., 900 KANSAS CITY, MO 64112 | $11K |
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 | 2,515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,708 | $265K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,227 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,227 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,227 | $1.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,227 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,227 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.