| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON GA - NORTHWEST | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752012739 | HCC LIFE INSURANCE COMPANY | $43K | — | $43K | 5.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | PRINCIPAL LIFE INSURANCE COMPANY | — | $517 | $517 | 0.10% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 15.65% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | VISION SERVICE PLAN | $6K | — | $6K | 3.99% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505110 ST. LOUIS, MO 631505110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $631 | $66 | $697 | 3.31% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $80 | — | $80 | 20.00% |
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 | 1,199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 43 | $21K |
| Vision | VISION SERVICE PLAN | 889 | $140K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,292 | $527K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3 | $400 |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,292 | $527K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,086 | $859K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,292 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,292 | — |
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.