| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $29K | $0 | $29K | 3.29% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $50K | $0 | $50K | 9.95% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $9K | $9K | 1.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 0.76% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $28K | $0 | $28K | 9.49% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $6K | $6K | 2.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.78% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $0 | $14K | 9.95% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $1K | $1K | 0.75% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $557 | $557 | 0.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $9K | $0 | $9K | 9.21% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CENTURY HEALTHCARE | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $679 | $71 | $750 | 16.56% |
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 | 853 | 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) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 179 | $983K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,753 | $921K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 440 | $173K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 571 | $543K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 571 | $343K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 295 | $142K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 179 | $983K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 571 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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.