| 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 | $19K | — | $19K | 3.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 1.29% |
| 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 | $29K | — | $29K | 9.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.26% |
| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 13.74% |
| 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 | $3K | — | $3K | 13.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $226 | $2K | 12.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.27% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 503 | $298K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 660 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $49K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 415 | $522K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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.