| 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 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MINNESOTA | $11K | — | $11K | 8.63% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD, SUITE 510 MINNEAPOLIS, MN 55416 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $8K | 22.06% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD, SUITE 510 MINNEAPOLIS, MN 55416 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 20.19% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 25.70% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $196 | — | $196 | 2.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $659 | — | $659 | 9.19% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD, SUITE 510 MINNEAPOLIS, MN 55416 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $890 | $295 | $1K | 19.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448 | $48 | $496 | 19.12% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSURANCE COMPANY | 190 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 222 | $125K |
| Vision | VISION SERVICE PLAN | 47 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $21K |
| Other(3 contracts, 3 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | 219 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.