| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $256K | $0 | $256K | 6.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $63K | $63K | 1.61% |
| JEFFREY GRIFFIN3 | 6720 NORTH SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $73K | $0 | $73K | 3.49% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRANSAMERICA | $55K | $0 | $55K | 11.90% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | TRANSAMERICA | $14K | $0 | $14K | 2.99% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2453 NORTH CENTRAL EXPRESSWAY 12TH FLOOR RICHARDSON, TX 75080 | TRANSAMERICA | $4K | $0 | $4K | 0.94% |
| CANALICHIO INSURANCE GROUP, LLC3 | 1067 FM 306, SUITE 305 NEW BRAUNFELS, TX 78130 | TRANSAMERICA | $491 | $0 | $491 | 0.11% |
| JEFFREY CALDWELL3 | 1400 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | TRANSAMERICA | $5 | $0 | $5 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $17K | $715 | $18K | 9.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $93 | $93 | 0.05% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | $18K | $18K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $18K | $0 | $18K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.77% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $894 | $0 | $894 | 11.19% |
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 | 5,406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 285 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $77K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | 8,697 | $547K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,264 | $4.4M |
| Short-term disability | TRANSAMERICA | 217 | $461K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,264 | $3.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 285 | $2.1M |
| Other(7 contracts, 7 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,264 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,697 | — |
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.