| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 16.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 6.49% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | STE 900 444 W 47TH STREET KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $4K | $12K | 39.73% |
| ZIMMERMAN, MICHAEL, J3 | STE 105 11225 COLLEGE BLVD OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 16.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | STE 300 400 N EXECUTIVE DR BROOKFIELD, WI 53005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $0 | $499 | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 64112 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $2K | $0 | $2K | 11.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.49% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 148 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 237 | $137K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 237 | $137K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 237 | $168K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 237 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.