| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | $0 | $69K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $108 | $0 | $108 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $0 | $20K | 9.40% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES | 11 MELROSE DRIVE, SUITE 100 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $177 | $1K | $2K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $700 | $17K | 9.47% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES | 11 MELROSE DRIVE, SUITE 100 FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $605 | $2K | 7.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 234 | $211K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $179K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $179K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $179K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $2.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.