| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | DELTA DENTAL INSURANCE COMPANY | $23K | $1K | $24K | 4.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $16K | $31K | 10.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 525 W. MONROE # 600 CHICAGO, IL 60661 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 3.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARWOOD STE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 1.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $8K | $16K | 9.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 9.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING SERIES OF LOCKTON | PO BOX 123042 DEPT 3042 DALLAS, TX 75201 | HYATT LEGAL PLANS, INC. | $2K | — | $2K | 8.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 111 E. KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | HYATT LEGAL PLANS, INC. | — | $358 | $358 | 2.05% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE | $0 | $750 | $750 | 18.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT INSURANCE | $165 | — | $165 | 4.00% |
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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 413 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 595 | $570K |
| Vision | VISION SERVICE PLAN | 532 | $145K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,195 | $169K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 714 | $174K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 906 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195 | — |
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.