| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | 8110 E UNION AVE SUITE 100 DENVER, CO 80237 | THE HARTFORD INSURANCE GROUP | $85K | $0 | $85K | 22.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | THE HARTFORD INSURANCE GROUP | $0 | $14K | $14K | 3.71% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVE STE 700 DENVER, CO 66210 | RELIASTAR LIFE INSURANCE COMPANY | $26K | $0 | $26K | 11.82% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 9.60% |
| COVERDELL3 | 8770 W. BRYN MAWR AVENUE CHICAGO, IL 60631 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $484 | $484 | 2.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $216 | $216 | 1.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $172 | $172 | 0.83% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $46 | $46 | 0.22% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 752016527 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
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 | 2,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 580 | $53K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,565 | $216K |
| Short-term disability | THE HARTFORD INSURANCE GROUP | 1,494 | $378K |
| Long-term disability | THE HARTFORD INSURANCE GROUP | 1,494 | $378K |
| Other(4 contracts, 4 carriers) | THE HARTFORD INSURANCE GROUP | 6,320 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,320 | — |
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.