| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $988 | $988 | 0.15% |
| VIDAL & RODRIGUEZ3 | 1 CAPITAL CENTER BLDG SUITE 501 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $23K | $0 | $23K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 12.38% |
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 | 4,041 | 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) | 4,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 99 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,638 | $658K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,638 | $821K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,440 | $188K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,638 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,638 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.