| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $161K | $0 | $161K | 6.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $24K | $0 | $24K | 1.00% |
| LOCKTON COMPANIES, LLC3 | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $85K | $0 | $85K | 6.76% |
| LOCKTON COMPANIES, LLC3 | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $12K | $0 | $12K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPPSYCH | Contract Administrator Service code 13 | — | $59K |
| MIDWEST TRUST NONE | Direct payment from the plan Service code 50 | 10700 RESEARCH DRIVE STE., 205 WAUWATUSA, WI 532263460 | $2K |
| COMPSYCH EIN 35-3739783 NONE | Contract Administrator Service code 13 | — | $0 |
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 | 52,978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,591 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55,569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE CO OF AMERICA | 55,541 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,541 | — |
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.