| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $123K | — | $123K | 2.74% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DR.STE. 700 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 15.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 2.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE STE. 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | DELTA DENTAL OF WISCONSIN | $19K | — | $19K | 9.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 9.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | WYSSTA | $4K | — | $4K | 9.98% |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 605 | $4.5M |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 353 | $229K |
| Vision | WYSSTA | 321 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 771 | $322K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 771 | $322K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 771 | $322K |
| Prescription drug | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 605 | $4.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 771 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.