| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $72K | $72K | 4.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34K | $34K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.16% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY AVENUE, SUITE 1900 SEATTLE, WA 98101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $8K | $28K | 7.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | VISION SERVICE PLAN | $12K | $0 | $12K | 4.61% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.00% |
| RUTH LARKIN3 | 2000 WADSWORTH BOULEVARD SUITE 202 LAKEWOOD, CO 80214 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 20.19% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 16.82% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SUITE 281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 13.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON, LLC | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 3.37% |
| JERRY MANNING3 Filed as: JERRY A. MANNING | 1034 NORTH ASHLAND AVENUE CHICAGO, IL 60622 | TRUSTMARK INSURANCE COMPANY | $692 | $0 | $692 | 2.24% |
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 | 1,766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 95 | $833K |
| Vision | VISION SERVICE PLAN | 1,262 | $262K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,762 | $1.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,762 | $1.6M |
| Prescription drug(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 95 | $833K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,763 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,763 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.