| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 10.08% |
| PATRICK M DUNN3 | 377 BOONES POINT ROAD MINERAL, VA 23117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 10.14% |
| PATRICK M DUNN3 | 377 BOONES POINT ROAD MINERAL, VA 23117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $930 | $4K | 9.94% |
| PATRICK M DUNN3 | 377 BOONES POINT ROAD MINERAL, VA 23117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $718 | $0 | $718 | 1.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.69% |
| PATRICK M DUNN3 | 377 BOONES POINT ROAD MINERAL, VA 23117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $783 | $0 | $783 | 2.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.62% |
| PATRICK M DUNN3 | 377 BOONES POINT ROAD MINERAL, VA 23117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691 | $0 | $691 | 2.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE, SUITE 700 DENVER, CO 80237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $948 | $221 | $1K | 9.73% |
| PATRICK M DUNN3 | 377 BOONES PT RD MINERAL, VA 23117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | $0 | $190 | 1.58% |
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 | 828 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 828 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 808 | $41K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 560 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.