| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $37K | $37K | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $29K | $29K | 1.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $37K | $83K | 3.27% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $12K | $30K | 1.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.15% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.72% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH ST REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $65K | — | $65K | 21.37% |
| AMERICAN INDEPENDENT MARKETING3 | 511 WEST A STREET YAKIMA, WA 98902 | LIFESECURE INSURANCE COMPANY | $395 | — | $395 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 6.89% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $7 | $9K | 3.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON, INC. | 500 NORTH AKARD STREET SUITE 4300 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $4 | $3K | 1.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $5 | $2K | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING HOUSTON | 1300 POST OAK BLVD HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $816 | $1K | $2K | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 9.76% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1300 POST OAK BLVD HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $1K | $1K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INC. | 500 NORTH AKARD STREET SUITE 4300 DALLAS, TX 75201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $9 | $145 | 0.07% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 13.79% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $929 | $0 | $929 | 0.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS LIFE INC | 500 N AKARD ST, STE 4300 DALLAS, TX 75001 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.94% |
| CHRISTINE MCCULLOUGH3 | UNKNOWN SAN ANTONIO, TX 78216 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $529 | — | $529 | 0.84% |
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 | 51,995 | 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) | 51,995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,442 | $498K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,384 | $1.9M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,855 | $2.5M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,689 | $2.7M |
| Other(6 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51,995 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,995 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.