| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 2.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 3.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 2.02% |
| ISG ADVISORS LLC3 Filed as: ISG ADVISORS, LLC | 708 HEARTLAND TRAIL, SUITE 1000 MADISON, WI 53717 | NGL | $18K | — | $18K | 5.00% |
| PAUL L LAROCHE3 Filed as: PAUL L. LAROCHE, NATL BENEFIT PTNRS | 35 BELA BROOK LANE CONCORD, NH 03301 | NGL | $2K | — | $2K | 0.50% |
| FRANK P DOHERTY3 Filed as: FRANK DOHERTY, NATL BENEFIT PTNRS | 409 ROCK CREEK CIRCLE BERWIN, PA 19312 | NGL | $2K | — | $2K | 0.50% |
| JEANETTE R HUDEPOHL3 | 309 HAMILTON STREET, SUITE F GENEVA, IL 60134 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $518 | — | $518 | 15.00% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOC | 330 E. KILBOURN AVENUE MILWAUKEE, WI 53202 | FEDERAL INSURANCE COMPANY | $221 | $19 | $240 | 16.26% |
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 | 4,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NGL | 4,755 | $360K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,267 | $785K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,830 | $743K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,267 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,267 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.