| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE ST STE 320 HOUSTON, TX 77057 | BLUECROSS BLUESHIELD OF MONTANA | $136K | $0 | $136K | 3.34% |
| JEFFREY HENNINGSEN3 | 444 W. 47TH ST. STE. 900 KANSAS CITY, MO 64112 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE STREET SUITE 320 HOUSTON, TX 77057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 11.15% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE ST STE 320 HOUSTON, TX 77057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE ST STE 320 HOUSTON, TX 77057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.65% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 657 | $4.1M |
| Dental(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 209 | $309K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $68K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $30K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 657 | $4.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.