| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $267K | — | $267K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 1.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188K | — | $188K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 1.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $135K | — | $135K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.49% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | PO BOX 21933 EAGAN, MN 551210933 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | — | $73K | 8.30% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | PO BOX 21933 EAGAN, MN 551210933 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | — | $59K | 8.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 1.52% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | PO BOX 21933 EAGAN, MN 551210933 | PET ASSURE CORP DBA PET BENEFIT SOLUTIONS | $29K | — | $29K | 9.36% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | PO BOX 21933 EAGAN, MN 55121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.66% |
| GROUP BENEFITS SOLUTIONS3 | 2819 MARIETTA STREET STEILACOOM, WA 98388 | ZURICH AMERICAN INSURANCE COMPANY | $9K | — | $9K | 13.91% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.42% |
| PRISM HR3 | 75 IRON POINT CIRCLE SUITE 200 FOLSOM, CA 95630 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.17% |
| GROUP BENEFIT SOLUTIONS3 Filed as: GROUP BENEFIT SOLUTIONS LLC | PO BOX 21933 EAGAN, MN 55121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.54% |
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 | 13,926 | 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) | 13,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,082 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,821 | $2.7M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,064 | $2.0M |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,176 | $2.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,821 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,821 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.