| 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 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 2.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | DEARBORN LIFE INSURANCE COMPANY | $18K | — | $18K | 6.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAKS BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $43K | — | $43K | 21.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $24K | $5K | $28K | 14.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 17.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 120 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $23K | $5K | $28K | 14.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $23K | $5K | $28K | 14.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $24K | $846 | $25K | 13.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 4.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 95111 | METLIFE LEGAL PLANS | $4K | $89 | $5K | 7.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $2K | — | $2K | 2.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $202 | $202 | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $98 | $98 | 0.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $558 | $558 | 4.20% |
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 | 5,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,164 | 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 | 113 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $1.7M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,360 | $2.0M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 5,137 | $386K |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 332 | $82K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 5,137 | $171K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 83 | $433K |
| Other(7 contracts, 3 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 5,137 | $772K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.