| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614K | $0 | $614K | 8.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $181K | $181K | 2.63% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SAINT LOUIS, MO 63141 | DELTA DENTAL OF TENNESSEE | $139K | $0 | $139K | 3.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN INC | $103K | $0 | $103K | 4.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLLIS TOWERS WATSON SOUTHEAST | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | KAISER FOUNDATION HEALTH PLAN INC | $276 | $0 | $276 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $43K | $0 | $43K | 4.61% |
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 | 14,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 269 | $2.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 16,389 | $4.6M |
| Vision | VISION SERVICE PLAN | 8,928 | $939K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,884 | $6.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,884 | $6.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,884 | $6.9M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 269 | $2.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21,474 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,474 | — |
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.