| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE RD NE SUITE 800 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 3.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $57 | $23K | 6.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.48% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $627 | $36K | 15.26% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANCE CORP | $8K | $0 | $8K | 5.00% |
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 | 1,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,373 | $848K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,162 | $151K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,303 | $358K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 821 | $238K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,303 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,303 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.