| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | HIGHMARK DELAWARE | $102K | — | $102K | 5.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $3K | $40K | 15.29% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $451 | $8K | 2.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $217 | $4K | 26.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $195 | $3K | 26.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $181 | $3K | 26.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HIGHMARK DELAWARE | 165 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.