| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $5K | $970 | $6K | 5.48% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 7.96% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $4K | $774 | $5K | 5.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $5K | $492 | $5K | 10.78% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | — | $597 | $597 | 1.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $580 | — | $580 | 3.17% |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 323 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 317 | $109K |
| Long-term disability | STANDARD INSURANCE COMPANY | 318 | $84K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 317 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.