| 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 | $96K | $9K | $105K | 7.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 2.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61K | $18K | $80K | 9.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 2.75% |
| M2 ADVISORS DIRECT3 Filed as: M2 ADVISORS DIRECT, INC. | 3636 SOUTH GEYER ROAD SUITE 110 ST LOUIS, MO 63127 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| JUND BRIAN EDWARD3 Filed as: JUND, BRIAN | US NATIONAL BENEFIT PARTNERS WEST 99 WOOD AVENUE SOUTH, SUITE 500 ISELIN, CA 08830 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| M2 ADVISORS DIRECT3 Filed as: M2 ADVISORS DIRECT, INC. | 3636 SOUTH GEYER ROAD SUITE 110 ST LOUIS, MO 63127 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| JUND BRIAN EDWARD3 Filed as: JUND, BRIAN | US NATIONAL BENEFIT PARTNERS WEST 99 WOOD AVENUE SOUTH, SUITE 500 ISELIN, CA 08830 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | CARE-PLUS DENTAL PLANS, INC. | $9K | — | $9K | 8.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $5K | — | $5K | 7.31% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | 55 E JACKSON BLVD CHICAGO, IL 60604 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $2K | — | $2K | 3.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $9K | $13K | 23.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.78% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $7K | — | $7K | 14.14% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | 55 E JACKSON BLVD CHICAGO, IL 60604 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $2K | — | $2K | 3.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPATHIA, INC. EIN 39-1567366 EAP PROVIDER | Other services Service code 49 | N17W24100 RIVERWOOD DRIVE, STE 300 WAUKESHA, WI 53188 | $158K |
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 | 4,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | 35 | $47K |
| Dental | CARE-PLUS DENTAL PLANS, INC. | 417 | $108K |
| Vision | VISION SERVICE PLAN | 2,781 | $556K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,018 | $876K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,009 | $1.4M |
| Prescription drug | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | 31 | $64K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,018 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,018 | — |
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.