| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87 | $87 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $176K | $176K | 2.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 0.10% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $111K | — | $111K | 4.62% |
| GREGORY LARGE3 | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 100161322 | METROPOLITAN LIFE INSURANCE COMPANY | $91 | — | $91 | 0.00% |
| STACY MATTHEWS3 | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 100161322 | METROPOLITAN LIFE INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.00% |
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 | 31,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 257 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,631 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,624 | $22.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 24,430 | $884K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 14,571 | $3.6M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 41,743 | $14.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30,480 | $8.8M |
| Prescription drug(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,624 | $22.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 41,743 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,743 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.