| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $77K | $9K | $86K | 10.55% |
| AXION RMS LTD3 | 2443 WARRENVILLE ROAD, SUITE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $51K | $0 | $51K | 6.20% |
| LOCKTON COMPANIES, LLC3 | 649 5TH AVENUE SOUTH, SUITE 204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $0 | $37K | $37K | 4.53% |
| ORACLE AMERICA, INC.3 | 500 ORACLE PARKWAY REDWOOD SHORES, CA 94065 | STANDARD INSURANCE COMPANY | $0 | $33K | $33K | 4.01% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $0 | $12K | $12K | 1.42% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVENUE WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 0.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 1.16% |
| AXION RMS LTD3 Filed as: AXIOM RMS, LTD. | 2443 WARRENVILLE ROAD LISLE, IL 60532 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 0.83% |
| UNKNOWN3 | UNKNOWN ROMEO, MI 48065 | DELTA DENTAL OF MICHIGAN | $0 | $815 | $815 | 0.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.92% |
| AXION RMS LTD3 Filed as: AXIOM RMS, LTD. | 2443 WARRENVILLE ROAD LISLE, IL 60532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.96% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2443 WARRENVILLE ROAD, SUITE 610 LISLE, IL 60532 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 4.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 3.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 3.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INSURANCE COMPANY | $494 | $0 | $494 | 15.00% |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 570 | $111K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 1,318 | $557K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,338 | $68K |
| Life insurance | STANDARD INSURANCE COMPANY | 564 | $817K |
| Short-term disability | STANDARD INSURANCE COMPANY | 564 | $817K |
| Long-term disability | STANDARD INSURANCE COMPANY | 564 | $817K |
| Prescription drug | FOUR EVER LIFE INSURANCE COMPANY | 570 | $3K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 564 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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.