| 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 | $39K | $50 | $39K | 4.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FINDLEY, A DIV OF USI CONSULT GRP EIN 06-1053228 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $93K |
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $91K |
| BOBER MARKEY FEDOROVICH EIN 34-1523030 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| JONES DAY EIN 34-0319085 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| P&A GROUP EIN 16-1324521 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| US BANK EIN 31-0841368 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $10K |
| J.P. MORGAN INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $9K |
| NORTHERN TRUST GLOBAL INVESTMENT EIN 45-6138589 NONE | Investment management; Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,171 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 825 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 2,347 | $851K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,954 | $850K |
| Prescription drug | HUMANA INSURANCE COMPANY | 2,347 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,954 | — |
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.