| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $51 | $43K | 1.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27K | $27K | 1.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $52 | $10K | 0.81% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP GRP SOUTHEAST LLC | 40 WALL ST STE 1304 NEW YORK, NY 100051304 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $19K | $104K | 22.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $0 | $63K | 13.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 4.61% |
| SPECTRUM GROUP CONSULTING SRVC, LLC3 | ONE GLENLAKE PARKWAY SUITE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $917 | $917 | 2.10% |
| SPECTRUM GROUP CONSULTING SRVC, LLC3 | ONE GLENLAKE PARKWAY SUITE 700 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $44 | $44 | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $296K |
| CIGNA EIN 59-1031071 ADMINISTRATION | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $223K |
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 | 10,354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $44K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 2,041 | $496K |
| Vision | EYEMED VISION CARE | 14,962 | $1.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,557 | $4.2M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,500 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,500 | $1.9M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,739 | $1.8M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,510 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,962 | — |
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."
No prospect flags tripped on this filing.