| 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 | $18K | $99K | $117K | 5.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | MINNESOTA LIFE INSURANCE COMPANY | — | $27K | $27K | 2.29% |
| LOCKTON COMPANIES, LLC3 Filed as: KANSAS CITY SERIES OF LOCKTON | PO BOX 843844 KANSAS CITY, KS 641843844 | MINNESOTA LIFE INSURANCE COMPANY | $18K | — | $18K | 1.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD STE 510 MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, SUITE 1200 DALLAS, TX 75201 | TOKIO MARINE HCC | $38K | — | $38K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | MINNESOTA LIFE INSURANCE COMPANY | — | $10K | $10K | 2.29% |
| LOCKTON COMPANIES, LLC3 Filed as: KANSAS CITY SERIES OF LOCKTON | PO BOX 843844 KANSAS CITY, KS 641843844 | MINNESOTA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.55% |
| 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 | — | $3.4M |
| SUNLIFE INSURANCE COMPANY EIN 38-1082080 STOP LOSS | Insurance agents and brokers Service code 22 | — | $750K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $649K |
| COMPREHENSIVE CARE SERVICES EIN 41-1427596 MULTIPLE SERVICE PROVIDER | Claims processing Service code 12 | — | $466K |
| DELTA DENTAL OF MN EIN 41-0952670 DATA PROCESSING PROVIDER | Claims processing Service code 12 | — | $86K |
| NORTH SHORE BANK OF COMMERCE EIN 41-0138390 TRUSTEE | Trustee (discretionary) Service code 24 | 131 WEST SUPERIOR STREET DULUTH, MN 55802 | $10K |
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 | 997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,389 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,194 | $793K |
| Dental | DELTA DENTAL | 2,385 | $2.1M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 2,325 | $1.7M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,207 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,194 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.