| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $613 | — | $613 | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $613 | $613 | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $439 | $439 | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $285 | $285 | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $228 | — | $228 | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84 | — | $84 | 5.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATOR | Other fees; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $36K |
| SMITHRX PHARMACY BENEFIT MGMT | Claims processing; Other fees; Direct payment from the plan Service code 12 | 300 BRANNAN ST. SUITE 601 844-512-3030 SAN FRANCISCO, CA 94107 | $17K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $4K |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 0 | $13K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $6K |
| Stop-loss / reinsurancereinsurance | SWISS RE | 0 | $145K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.