| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $46K | $0 | $46K | 3.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5 | $294 | $299 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 4.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34K | $34K | 3.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 4.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 3.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 3.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.36% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $909 | $141 | $1K | 9.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $390 | $42 | $432 | 3.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 31309 TEMECULA PARKWAY SUITE 100 TEMECULA, CA 92592 | METLIFE LEGAL PLANS | $0 | $113 | $113 | 1.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $20 | $20 | 0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | UNKNOWN HOUSTON, TX 77056 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.02% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METROPOLITAN GENERAL INSURANCE COMPANY | $413 | $0 | $413 | 6.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | $177 | $81 | $258 | 4.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 31309 TEMECULA PARKWAY SUITE 100 TEMECULA, CA 92592 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $113 | $113 | 1.85% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | -$320 | $367 | $47 | 4.33% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER COM, INC. | PO BOX 850411 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.18% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER COM, INC. | PO BOX 850411 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$75 | -$75 | -6.91% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | -$428 | $699 | $271 | 79.71% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER COM, INC. | PO BOX 850411 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$89 | -$89 | -26.18% |
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 | 2,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 115 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,750 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,503 | $238K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,753 | $760K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,701 | $998K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,707 | $632K |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,753 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,753 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.