| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.33% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BNFTS ADMINISTRATION INC | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.03% |
| WORKSITE INSURANCE SERVICES, INC.3 | 33 HIGH STREET MINERAL POINT, WI 53565 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.07% |
| NICHOLAS LAACK-MILLER3 | 1100 GARDEN AVENUE STOUGHTON, WI 53589 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| MICHAEL FRASIER3 | 1196 DYNES WAY SUN PRAIRIE, WI 53590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $796 | $0 | $796 | 1.30% |
| WALLACE COOPER & ELLIOT INS. AGENCY3 Filed as: WALLACE COOPER & ELLIOTT INS AGENCY | PO BOX 470 RICHLAND CENTER, WI 53581 | CONTINENTAL AMERICAN INSURANCE COMPANY | $388 | $0 | $388 | 0.64% |
| CHRISTINE LOGSLETT3 Filed as: CHRISTINE M. LOGSLETT | 10240 WEST PLUM TREE CIRCLE APARTMENT 103 HALES CORNERS, WI 53130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.09% |
| WILLIAM CHARLES HAGEN3 Filed as: WILLIAM CHARLES HAGEN AND OTHERS | 5709 MAPLE COURT MCFARLAND, WI 53558 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $2K | $47 | $2K | 9.79% |
| LOCKTON COMPANIES, LLC3 | 1000 LAKES DRIVE, SUITE 460 WEST COVINA, CA 91790 | METLIFE LEGAL PLANS | $0 | $127 | $127 | 0.68% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $123 | $123 | 0.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $32 | $32 | 0.17% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $0 | $16 | $16 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.02% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 558 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $471K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 730 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $471K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $471K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $471K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 558 | $4.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.