| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342K | $0 | $342K | 15.54% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $43K | $43K | 1.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.95% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $246K | $29K | $274K | 13.59% |
| LARRY P. QUANEY JR.3 | 9661 MADISON WALK AVENUE LAS VEGAS, NV 89149 | RELIASTAR LIFE INSURANCE COMPANY | $160K | $0 | $160K | 7.94% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET, SUITE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $53K | $53K | 2.63% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 9.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $249 | $249 | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BOULEVARD SUITE 200 LAS VEGAS, NV 89135 | METLIFE LEGAL PLANS | $225 | $0 | $225 | 1.08% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 174.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $703 | $703 | 21.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | 10000 WEST CHARLESTON BOULEVARD SUITE 200 LAS VEGAS, NV 89135 | METROPOLITAN GENERAL INSURANCE COMPANY | $654 | $0 | $654 | 20.18% |
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 | 6,848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 13,212 | $615K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 10,466 | $2.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,947 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,947 | $2.2M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,466 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,212 | — |
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.