| 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 | — | $61K | $61K | 0.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $152K | $152K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 0.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $109K | $109K | 3.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 4 OVERLOOK PT LICENSING DEPARTMENT LINCOLNSHIRE, IL 60069 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $73K | — | $73K | 2.00% |
| 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 | 2.05% |
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 | 34,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 207 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,075 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,409 | $33.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 27,077 | $950K |
| Vision | VISION SERVICE PLAN | 22,535 | $3.7M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 47,109 | $16.0M |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,498 | $385K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32,901 | $8.7M |
| Prescription drug(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,409 | $33.4M |
| Stop-loss / reinsurancereinsurance | CIGNAHEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 43,258 | $4.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 47,109 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,109 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.