| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BLVD., SUITE 510 MINNEAPOLIS, MN 55416 | PREFERREDONE INSURANCE COMPANY | $28K | — | $28K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MINNESOTA | $11K | — | $11K | 10.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 16.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $712 | — | $712 | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $464 | — | $464 | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | VISION SERVICE PLAN | $722 | — | $722 | 10.02% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $753 | — | $753 | 25.17% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $74 | — | $74 | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $437 | $48 | $485 | 22.46% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSURANCE COMPANY | 191 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 228 | $105K |
| Vision | VISION SERVICE PLAN | 46 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 122 | $47K |
| Long-term disability | STANDARD INSURANCE COMPANY | 120 | $30K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 122 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.