| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121K | — | $121K | 3.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD | $18K | $0 | $18K | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD | $837 | $0 | $837 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $8K | $60K | 7.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DR, DEPT 1446 CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $13K | 1.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $2K | $37K | 15.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DR DEPT 1446 CHICAGO, IL 606751446 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $55 | $7K | 3.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $955 | $955 | 0.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $2K | $36K | 15.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DR, DEPT 1446 C/O NORTHERN TRUST BANK CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 3.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 123042 DEPT 3042 DALLAS, TX 753123042 | GENWORTH LIFE INSURANCE COMPANY | $26K | — | $26K | 13.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IA 606731296 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 1.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY SER | P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 10.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST S | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $858 | $858 | 1.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DR, DEPT 1446 CHICAGO, IL 60675 | METLIFE LEGAL PLANS | $0 | $371 | $371 | 0.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METLIFE LEGAL PLANS | $0 | $71 | $71 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE #900 KANSAS CITY, MO 64112 | SHELTER POINT LIFE INSURANCE COMPANY | $973 | — | $973 | 18.92% |
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 | 3,367 | 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) | 3,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,985 | $452K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,159 | $3.5M |
| Vision | VISION SERVICE PLAN | 2,166 | $471K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,307 | $778K |
| Long-term disability | RELIANCE STANDARD | 3,361 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,159 | $3.5M |
| Other(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,159 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,159 | — |
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."
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.