| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $57K | $91K | $148K | 2.89% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $58K | $51K | $109K | 2.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | -$452 | $64K | $63K | 1.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | RELIASTAR LIFE INSURANCE COMPANY | $111K | $8K | $119K | 26.73% |
| LOCKTON COMPANIES, LLC4 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHEILD | $14K | $0 | $14K | 17.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHEILD | $2K | — | $2K | 2.40% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | TRIPLE S SALUD, INC. | $1K | $0 | $1K | 5.00% |
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 | 5,863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 210 | $3.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 9,747 | $3.8M |
| Vision | EYEMED VISION CARE, FIDELITY SECURITY LIFE INS CO NY | 7,840 | $562K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 5,863 | $5.1M |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 5,863 | $5.1M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 5,863 | $5.1M |
| Prescription drug(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 210 | $3.2M |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 5,863 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,747 | — |
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.