| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 17.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | CO BANK OF AMERICA BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 65.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 65.00% |
| MYLO LLC3 Filed as: MYLO, LLC | DEPT 999270 PO BOX 419444 KANSAS CITY, MO 64121 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $494 | $0 | $494 | 9.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | METLIFE INSURANCE COMPANY | $402 | $0 | $402 | 20.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | METLIFE INSURANCE COMPANY | $138 | $0 | $138 | 30.87% |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 58 | $5K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 673 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 725 | $269K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $111K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 406 | $687K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 725 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.