| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $373K | $0 | $373K | 5.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $79K | $79K | 1.10% |
| LOCKTON COMPANIES, LLC3 | 1715 AARON BRENNER DRIVE, SUITE 512 MEMPHIS, TN 38120 | HARTFORD LIFE AND ACCIDENT | $33K | $3K | $36K | 0.50% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF TENNESSEE | $119K | $0 | $119K | 3.19% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $12K | $0 | $12K | 9.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $887 | $887 | 0.75% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $295 | $295 | 0.25% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
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 | 4,934 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALVO'S INSURANCE UNDERWRITERS, INC. | 8 | $54K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 7,759 | $3.8M |
| Vision | DELTA DENTAL OF TENNESSEE | 7,759 | $3.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 0 | $7.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $7.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $7.2M |
| Prescription drug | CALVO'S INSURANCE UNDERWRITERS, INC. | 8 | $54K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 480 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,759 | — |
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.