| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $348 | $70K | 3.86% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61K | $61K | 3.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.28% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $33K | $33K | 2.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 1.23% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $8K | $83 | $8K | 10.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 1.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $0 | $252 | $252 | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $0 | $8 | $8 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $3 | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATCON PR INSURANCE | 530 AVENUE CONSTITUCION SUITE 310 SAN JUAN, PR 00901 | HUMANA INSURANCE OF PUERTO RICO, INC. | $3K | — | $3K | 5.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $7K | $0 | $7K | 25.00% |
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 | 2,162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO, INC. | 22 | $57K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,671 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,671 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,162 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,162 | $1.4M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,671 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,671 | — |
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.