| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $23K | — | $23K | 5.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | -$37 | — | -$37 | -0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (ST LOUIS), C | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 9.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - ST. LOUIS, MO | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 28.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 25.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $452 | $5K | 16.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 27.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $186 | $4K | 15.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O BANK OF A | PO BOX 505115 ST LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 35.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $181 | $181 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | — |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 515 | $312K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 626 | $42K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 541 | $31K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $32K |
| Long-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 541 | $69K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 410 | $459K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 541 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.