| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930159 | STANDARD INSURANCE COMPANY | $74K | — | $74K | 13.07% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 2.46% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505155 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $433 | — | $433 | 0.61% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 22.05% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA, 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 6.87% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 6.56% |
| LOCKTON COMPANIES, LLC3 | 8110 E. UNION, SUITE 500 DENVER, CO 80237 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 171 | $36K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,277 | $71K |
| Life insurance | STANDARD INSURANCE COMPANY | 616 | $564K |
| Short-term disability | STANDARD INSURANCE COMPANY | 616 | $564K |
| Long-term disability | STANDARD INSURANCE COMPANY | 616 | $564K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 616 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.