| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $338K | $0 | $338K | 7.19% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $103K | $103K | 2.20% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $24K | $4K | $29K | 0.61% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | DELTA DENTAL OF TENNESSEE | $111K | $0 | $111K | 3.19% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $12K | $241 | $12K | 11.08% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $815 | $815 | 0.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $369 | $369 | 0.33% |
| LOCKTON COMPANIES, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $127 | $127 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BITMINGHAM, AL 35243 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $100 | $100 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DEPARTMENT 3042 DALLAS, TX 75201 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $13 | $13 | 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 | 4,688 | 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) | 4,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALVO'S INSURANCE UNDERWRITERS, INC. | 8 | $68K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 7,317 | $3.5M |
| Vision | DELTA DENTAL OF TENNESSEE | 7,317 | $3.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,625 | $4.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,625 | $4.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,625 | $4.7M |
| Prescription drug | CALVO'S INSURANCE UNDERWRITERS, INC. | 8 | $68K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,625 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,317 | — |
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.