| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | -$4K | $966K | $962K | 164.97% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET FLOOR 35 LOS ANGELES, CA 90017 | SYMETRA LIFE INSURANCE COMPANY | $279K | $0 | $279K | 47.76% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $0 | $582 | $582 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $70 | $35K | 9.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.98% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN, INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.46% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$107 | -$107 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 360 EAST VINE STREET, SUITE 200 LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | $0 | -$1K | -0.33% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 447 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 880 | $354K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 880 | $354K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 573 | $583K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 573 | $583K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 573 | $583K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 447 | $4.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 573 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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.