| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261K | — | $261K | 7.74% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86K | $86K | 2.56% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS AND BLUE SHIELD OF ARIZONA | $68K | — | $68K | 3.55% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $17K | — | $17K | 10.83% |
| LOCKTON COMPANIES, LLC3 | DEPT. 999228 P.O. BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.34% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $142 | $142 | 0.09% |
| 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% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.01% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 23.12% |
| KELLY, WILLIAM, ANTHONY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $294 | — | $294 | 1.92% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243 | $12 | $255 | 1.66% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243 | $12 | $255 | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 1.03% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.36% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.15% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.21% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 20.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | P.O. BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.78% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.48% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.26% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.26% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.20% |
| KELLY, WILLIAM, ANTHONY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | FIRST UNUM LIFE INSURANCE COMPANY | $29 | — | $29 | 30.53% |
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 | 5,457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 648 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 310 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $60K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | 8,512 | $527K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,952 | $3.4M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 172 | $12K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,952 | $3.4M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 310 | $1.9M |
| Other(9 contracts, 9 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,952 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,512 | — |
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.