| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $228K | $228K | 1.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $73 | $73 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1.0M | $196K | $1.2M | 6.13% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED | $154K | $0 | $154K | 4.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS, INC. | $54K | $9K | $62K | 8.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.5M |
| REED GROUP MANAGEMENT LLC EIN 13-5123390 ADMINISTRATION | Contract Administrator; Direct payment from the plan Service code 13 | — | $985K |
| FIDELITY SECURITY LIFE INSURANCE EIN 43-0949844 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $925K |
| DISCOVERY BENEFITS EIN 90-0058554 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $579K |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $336K |
| NAVIGATE WELLNESS EIN 27-2536219 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $328K |
| OPTUM EIN 47-0858534 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $296K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Direct payment from the plan; Insurance services Service code 23 | — | $283K |
| NATURALLY SLIM EIN 47-0855698 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $231K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARIAL | Actuarial Service code 11 | — | $220K |
| UNUM EIN 01-0278678 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $173K |
| WAGEWORKS MAIN EIN 94-3351864 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $108K |
| IDEAMACHINE EIN 90-0712007 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $68K |
| BKD, LLP EIN 44-0160260 ACCOUNTING | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $37K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Direct payment from the plan; Copying and duplicating Service code 36 | — | $34K |
| NEWPORT TRUST COMPANY EIN 26-4691954 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $30K |
| THE ODEE COMPANY EIN 75-1302835 OTHER SERVICES | Direct payment from the plan; Other services Service code 49 | — | $19K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| INTERNATIONAL BUSINESS MACHINES EIN 13-0871985 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
| RSW EIN 75-2448056 COMMUNICATIONS | Direct payment from the plan; Other services Service code 49 | — | $9K |
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 | 37,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 250 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 341 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 62,635 | $20.0M |
| Vision | EYEMED | 57,035 | $3.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37,540 | $19.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37,540 | $19.6M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37,540 | $20.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62,635 | — |
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."
No prospect flags tripped on this filing.