| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $140 | $14K | 13.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $862 | $862 | 0.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 11.10% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $460 | $460 | 1.52% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | FOUR EVER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $250 | $35 | $285 | 17.12% |
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 | 1,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 1,445 | $12K |
| Vision | VISION SERVICE PLAN | 938 | $150K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,445 | $472K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,445 | $484K |
| Prescription drug | FOUR EVER LIFE INSURANCE COMPANY | 1,445 | $12K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,335 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,335 | — |
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.