| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619K | $0 | $619K | 9.17% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | 1485 NORTH PARK DRIVE WESTON, FL 33326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $328K | $328K | 4.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $155K | $155K | 2.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $85K | $85K | 1.26% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SAINT LOUIS, MO 63141 | DELTA DENTAL OF TENNESSEE | $154K | $0 | $154K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $48K | $0 | $48K | 4.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | $0 | $10K | 5.17% |
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 | 16,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 378 | $570K |
| Dental | DELTA DENTAL OF TENNESSEE | 18,023 | $5.1M |
| Vision | VISION SERVICE PLAN | 9,996 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,493 | $6.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,493 | $6.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,493 | $6.7M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 378 | $570K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24,751 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,751 | — |
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.