| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $669K | $2K | $671K | 8.73% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59K | $59K | 0.77% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36K | $36K | 0.47% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $275K | $211K | $485K | 7.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PAN-AMERICAN LIFE INSURANCE COMPANY | $249K | $0 | $249K | 13.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD FIRE INSURANCE COMPANY | $8K | $2K | $9K | 18.00% |
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 | 20,429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,760 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 20,429 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,733 | $7.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 12,733 | $7.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 10,013 | $6.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 10,013 | $6.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 10,013 | $6.2M |
| Prescription drug(3 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 20,429 | $2.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,429 | $13.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,429 | — |
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.