| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST., STE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE CO | $13K | $100K | $113K | 4.45% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE CO | $3K | — | $3K | 0.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH ST., STE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $5K | — | $5K | 6.71% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $4K | — | $4K | 5.73% |
| ASSURANCE AGENCY LTD3 Filed as: AASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | NATIONWIDE | $666 | — | $666 | 0.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC | 444 W 47TH ST., STE 900 KANSAS CITY, MO 64112 | AMERITAS | $5K | — | $5K | 8.57% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | AMERITAS | $4K | — | $4K | 5.50% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AMERITAS | $920 | — | $920 | 1.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DEPT. 3042 DALLAS, TX 75312 | SUN LIFE ASSURANCE CO OF CANADA | $3K | — | $3K | 6.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE CO | $4K | $2K | $6K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE CO | $289 | $50 | $339 | 0.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSS CITY, MO 64184 | UNUM LIFE INSURANCE CO | $4K | $546 | $5K | 12.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE CO | $2K | $182 | $2K | 4.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE CO | $1K | $632 | $2K | 9.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE CO | $1K | $371 | $1K | 6.35% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE CO | 522 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE CO | 522 | $2.6M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE CO | 522 | $2.6M |
| Life insurance | UNUM LIFE INSURANCE CO | 298 | $53K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 298 | $106K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 286 | $54K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 404 | $72K |
| Other(3 contracts) | UNUM LIFE INSURANCE CO | 298 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.