| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 641121957 | DELTA DENTAL | $15K | $101K | $116K | 7.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | MINNESOTA LIFE INSURANCE COMPANY | — | $28K | $28K | 2.39% |
| LOCKTON COMPANIES, LLC3 Filed as: KANSAS CITY SERIES OF LOCKTON | PO BOX 843844 KANSAS CITY, KS 641843844 | MINNESOTA LIFE INSURANCE COMPANY | $18K | — | $18K | 1.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, SUITE 1200 DALLAS, TX 75201 | TOKIO MARINE HCC | $35K | — | $35K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | MINNESOTA LIFE INSURANCE COMPANY | — | $11K | $11K | 2.39% |
| LOCKTON COMPANIES, LLC3 Filed as: KANSAS CITY SERIES OF LOCKTON | PO BOX 843844 KANSAS CITY, KS 641843844 | MINNESOTA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | MINNESOTA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICARE BLUE R/X DATA PROCESSING PROVIDER | Claims processing Service code 12 | — | $3.6M |
| COMPREHENSIVE CARE SERVICES EIN 41-1427596 MULTIPLE SERVICE PROVIDER | Claims processing Service code 12 | — | $1.2M |
| SUNLIFE INSURANCE COMPANY EIN 38-1082080 STOP LOSS | Insurance agents and brokers Service code 22 | — | $687K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $575K |
| DELTA DENTAL OF MN EIN 41-0952670 DATA PROCESSING PROVIDER | Claims processing Service code 12 | — | $88K |
| REILLY, PENNER & BENTON LLP EIN 39-0747409 INDEPENDENT AUDITOR | Accounting (including auditing) Service code 10 | — | $19K |
| NORTH SHORE BANK OF COMMERCE EIN 41-0138390 TRUSTEE | Trustee (discretionary) Service code 24 | 131 WEST SUPERIOR STREET DULUTH, MN 55802 | $9K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 2100 ROSS AVE SUITE 1200 DALLAS, TX 752017943 | $0 |
| LOCKTON COMPANIES LLC-MINNESOTA EIN 20-3354970 BROKER | Other commissions Service code 55 | 550 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 554163577 | $0 |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,433 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 2,372 | $1.6M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 2,324 | $1.7M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,258 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,372 | — |
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.