| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 1.64% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TN 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.67% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $146 | $23K | 8.53% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $372 | $5K | 1.75% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.63% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | HUMANA INSURANCE COMPANY | $507 | — | $507 | 19.97% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P.O. BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $381 | — | $381 | 15.01% |
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 | 5,722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,534 | $200K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 291 | $592K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 291 | $592K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,975 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,975 | — |
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.