| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES | 180 MONTGOMERY ST SAN FRANCISCO, CA 941044205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57K | $57K | 0.47% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $194K | $194K | 2.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 0.23% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | $38K | $148K | 6.65% |
| GREGORY LARGE3 | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 100161322 | METROPOLITAN LIFE INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| STACY MATTHEWS3 | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 100161322 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.18% |
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 | 32,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 972 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 10,092 | $27.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 25,379 | $855K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 15,800 | $3.7M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,963 | $14.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31,196 | $9.7M |
| Prescription drug(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,185 | $26.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,963 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,963 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.