| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 100362603 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $70 | $11K | 4.72% |
| IMA, INC.3 Filed as: IMA INC | 14221 DALLAS PKWY STE 700 DALLAS, TX 752542942 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.32% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 672023408 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE OF THE AMERICAS NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $5K | $14K | 13.47% |
| IMA, INC.3 Filed as: IMA INC DBA IMA WALDMAN | 6200 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE OF THE AMERICAS NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $4K | $18K | 16.90% |
| IMA, INC.3 Filed as: IMA INC DBA IMA WALDMAN | 6200 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE OF THE AMERICAS NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $13K | 13.34% |
| IMA, INC.3 Filed as: IMA INC DBA IMA WALDMAN | 6200 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 022417484 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.76% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 10.44% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 9.56% |
| BENCAP AMERICA MANAGEMENT, LLC3 | 710 SINCLAIR CIR BRENTWOOD, TN 37027 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 10.09% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 9.92% |
| BENCAP AMERICA MANAGEMENT, LLC3 | 710 SINCLAIR CIR BRENTWOOD, TN 37027 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 10.40% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 9.60% |
| BENCAP AMERICA MANAGEMENT, LLC3 | 710 SINCLAIR CIR BRENTWOOD, TN 37027 | RELIASTAR LIFE INSURANCE COMPANY | — | $933 | $933 | 3.00% |
| GROUP AGENCY MANAGEMENT INC3 | PO BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $963 | — | $963 | 5.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $881 | — | $881 | 4.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE OF THE AMERICAS NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $229 | $2K | 13.02% |
| IMA, INC.3 Filed as: IMA INC DBA IMA WALDMAN | 6200 LBJ FREEWAY DALLAS, TX 75240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $387 | $387 | 2.42% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $230K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 705 | $47K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 697 | $99K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 648 | $107K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 648 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.