| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | STANDARD INSURANCE COMPANY | $13K | $2K | $14K | 13.68% |
| LOCKTON COMPANIES, LLC3 | 649 FIFTH AVENUE SOUTH, SUITE 204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 5.39% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST, INC. | 62877 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $146 | $0 | $146 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $0 | $26 | $26 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $70 | $6K | 7.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.46% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $976 | — | $976 | 6.15% |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $80K |
| Vision | VISION SERVICE PLAN | 65 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 79 | $104K |
| Long-term disability | STANDARD INSURANCE COMPANY | 79 | $104K |
| Other | STANDARD INSURANCE COMPANY | 79 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.