| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 210 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 2.82% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | FOUR EVER LIFE INSURANCE COMPANY | $798 | $0 | $798 | 15.01% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $38 | $38 | — |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENISTAR | 90 | $449K |
| Vision | NGL | 1,124 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 477 | $398K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 477 | $398K |
| Prescription drug | BENISTAR | 90 | $449K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 477 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,124 | — |
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."
No prospect flags tripped on this filing.