| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 IAS KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 2.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $14K | $14K | 0.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - CHICA | 500 W MONROE STE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | — | $94K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 IAS KANSAS CITY, MO 64112 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900A DALLAS, TX 75217 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $2K | $2K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST. STE 3400 CHICAGO, IL 60661 | METROPOLITAN GENERAL INSURANCE COMPANY | $16K | $323 | $17K | 11.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 0.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $501 | $501 | 0.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $140 | $140 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | LOCKTON COMPANIES LLC DALLAS, TX 752016527 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $17 | $17 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | — | $0 | — |
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 | 2,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 37 | $245K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 37 | $245K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 37 | $245K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,895 | $1.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,895 | $1.6M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,951 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,951 | — |
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.