| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752012739 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | $147K | $225K | 2.50% |
| LOCKTON COMPANIES, LLC3 | 717 N HARWOOD ST. STE 2500 DALLAS, TX 752016527 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.73% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $12K | $18K | 3.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE DALLAS, TX 752012739 | UNITEDHEALTHCARE OF CALIFORNIA | $12K | — | $12K | 3.00% |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,814 | $9.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,814 | $9.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,814 | $9.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 627 | $579K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $1.3M |
| Prescription drug | HEALTH PLAN OF NEVADA / SIERRA HEALTH & LIFE | 30 | $118K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,814 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.