| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $81K | $81K | 4.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $36K | $36K | 2.14% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY STREET, SUITE 1900 SEATTLE, WA 98101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | $0 | $23K | 6.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $3K | $9K | 2.56% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.37% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | VISION SERVICE PLAN | $14K | $0 | $14K | 5.38% |
| RUTH LARKIN3 | 2049 WADWORTH BOULEVARD SUITE K, BOX 202 LAKEWOOD, CO 80214 | TRUSTMARK INSURANCE COMPANY | $10K | $0 | $10K | 16.70% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 15.15% |
| LTCI PARNTERS, LLC3 | 14546 BROOK HOLLOW BOULEVARD SUITE 281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 11.14% |
| J MANNING AND ASSOCIATES3 | 167 NORTH GREEN STREET, 4TH FLOOR CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $939 | $0 | $939 | 1.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $408 | $0 | $408 | 0.69% |
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 | 1,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,295 | $262K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,796 | $1.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,796 | $1.7M |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,803 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,803 | — |
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.