| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 0.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DEAN HEALTH PLAN INC | $21K | — | $21K | 1.42% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD, SUITE 250 ATLANTA, GA 30305 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 3.05% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $12K | 11.56% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 8.28% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 10.02% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $985 | $5K | 10.44% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MADISON STREET, SUITE 3400 CHICAGO, IL 60606 | VISION SERVICE PLAN | $986 | — | $986 | 5.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $461 | — | $461 | 15.63% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | PRINCIPAL LIFE INSURANCE COMPANY | $342 | — | $342 | 11.59% |
| SECURA BROKERAGE LLC3 Filed as: SECURA CONSULTANTS | 6465 WAYZATA BOULEVARD, SUITE 920 MINNEAPOLIS, MN 55426 | PRINCIPAL LIFE INSURANCE COMPANY | $254 | — | $254 | 8.61% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $3.2M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 242 | $109K |
| Vision | VISION SERVICE PLAN | 97 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $75K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $60K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.