| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $71 | $103K | 3.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 0.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $171K | $10K | $180K | 6.71% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE STREET, STE 3400 CHICAGO, IL 606613778 | KAISER FOUNDATION HEALTH PLAN INC. | $41K | — | $41K | 1.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $161K | — | $161K | 20.50% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING BENEFITS | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | HM LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
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 | 15,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 259 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,240 | $2.7M |
| Vision | HM LIFE INSURANCE COMPANY | 6,924 | $505K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 5,942 | $2.7M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 5,942 | $2.7M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 5,942 | $2.7M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 259 | $2.7M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 6,319 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,924 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.