| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVENUE LOCKTON DUNNING BENEFITS DALLAS, TX 752016706 | RELIASTAR LIFE INSURANCE COMPANY | $446K | $58K | $504K | 11.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $0 | $30K | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES (SUREST) EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.6M |
| CIGNA EIN 59-1031071 ADMINISTRATION | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $118K |
| UNITED HEALTHCARE SERVICES (CERA) EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $15K |
| UNITED HEALTHCARE SERVICES (FSA) EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $15K |
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 | 5,210 | 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) | 5,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,113 | $302K |
| Vision | EYEMED VISION CARE | 6,795 | $1.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,836 | $4.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,836 | $4.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,836 | $4.4M |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,766 | $4.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 15,757 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,757 | — |
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.