| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SOUTHEAST- C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $57K | — | $57K | 4.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 5.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 1.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 1.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 5.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 5.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 0.99% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $18K | 23.45% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM INC. | PO BOX 850411 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.03% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS,INC DBA CORESTREAM | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $15K | 22.04% |
| BUSINESSSOLVER.COM, INC.3 | PO BOX 850411 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.93% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $1K | — | $1K | 6.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $530 | — | $530 | 2.77% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5100 TAMIAMI TRAIL, SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $293 | $293 | 1.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | — | $61 | $61 | 0.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | — | $11 | $11 | 0.06% |
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 | 3,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $78K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,810 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,568 | $243K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,905 | $564K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,822 | $709K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,821 | $449K |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,905 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,905 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.