| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CAREFIRST BLUECHOICE, INC. | $0 | $640K | $640K | 4.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | DELTA DENTAL OF PENNSYLVANIA | $63K | $0 | $63K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | $0 | $105K | 9.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $45K | $45K | 3.89% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $28K | $28K | 2.44% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.86% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $148K | $36K | $184K | 41.05% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $18K | $0 | $18K | 8.41% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 3,364 | $15.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 3,599 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,922 | $209K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,858 | $1.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,858 | $1.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,858 | $1.2M |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 3,364 | $15.8M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,858 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,858 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.