| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST CHICAGO, IL 60661 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $51K | — | $51K | 4.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 3.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $76K | $30K | $107K | 17.34% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 21.79% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | ARAG INSURANCE COMPANY | $382 | — | $382 | 7.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $538K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | 500 W MONROE ST CHICAGO, IL 60661 | $0 |
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 | 1,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 990 | $769K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 990 | $769K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,232 | $615K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,232 | $615K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,232 | $615K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 925 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 169 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.