| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (DUNNING) | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 4.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 4.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $42K | — | $42K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | $6K | $75K | 30.44% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 3.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | $5K | $73K | 29.81% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 3.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67K | $6K | $73K | 30.18% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 3.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $7K | — | $7K | 9.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES MOUNTAIN W SERIES | DEPT 999228 P.O. BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $803 | $803 | 1.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | — | $356 | $356 | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | — | $99 | $99 | 0.14% |
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 | 5,593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,302 | $3.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,302 | $3.6M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,302 | $4.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,058 | $597K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,417 | $427K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 101 | $416K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,593 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,058 | — |
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.