| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $267K | — | $267K | 6.54% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $86K | $86K | 2.12% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS AND BLUE SHIELD OF ARIZONA | $71K | — | $71K | 5.38% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $18K | — | $18K | 8.71% |
| LOCKTON COMPANIES, LLC3 | DEPT. 999228 P.O. BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $54 | $54 | 0.03% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 8.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.13% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $802 | — | $802 | 0.47% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $802 | — | $802 | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | 199 WATER STREET NEW YORK, NY 10038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $562 | — | $562 | 0.33% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $545 | -$13 | $532 | 0.31% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $233 | -$5 | $228 | 0.13% |
| KELLY, WILLIAM, ANTHONY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $18K | — | $18K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | $18K | $18K | 15.00% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 22.95% |
| KELLY, WILLIAM, ANTHONY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.98% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $65 | $2K | 1.87% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD. OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $64 | $2K | 1.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $922 | — | $922 | 1.07% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $454 | — | $454 | 0.52% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $195 | — | $195 | 0.23% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL & RODRIGUEZ, INC. | CAPITAL CENTER BUILDING, SUITE 501 AVE. ARTERIAL HOSTOS #239 SAN JUAN, PR 009181475 | MCS LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | FIRST UNUM LIFE INSURANCE COMPANY | $640 | — | $640 | 84.99% |
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 | 5,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 673 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 121 | $1.5M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $266K |
| Vision(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | 8,378 | $564K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,770 | $4.3M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 572 | $171K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,770 | $4.1M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 121 | $1.3M |
| Other(9 contracts, 9 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,770 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,378 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.