| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 5.67% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 4.51% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.72% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $527 | — | $527 | 1.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 220 N MAIN ST GREER, SC 29650 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 19.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | BANNER LIFE INSURANCE COMPANY | $227 | — | $227 | 3.68% |
| DYE & ESKIN INC3 Filed as: DYE & ESKIN | 1324 VINCENT PL. MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $198 | — | $198 | 3.21% |
| ELITE INSURANCE AGCY DBA3 | ELITE MARKETING GROUP 12466 LOS INDIOS TRAIL STE 100 AUSTIN, TX 78729 | BANNER LIFE INSURANCE COMPANY | $57 | — | $57 | 0.92% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $656 | — | $656 | 19.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3657 BRIARPARK DR STE 700 HOUSTON, TX 77042 | FEDERAL INSURANCE COMPANY | $492 | — | $492 | 15.00% |
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 | 770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 776 | $137K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,113 | $678K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,023 | $147K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,113 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,113 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.