| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $330K | $330K | 1.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $256K | $15K | $271K | 2.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199K | $15K | $214K | 2.15% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED | $532K | — | $532K | 14.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $15K | $55K | 2.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS, INC. | $56K | $10K | $65K | 7.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.2M |
| OPTUM EIN 47-0858534 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $441K |
| DISCOVERY BENEFITS EIN 90-0058554 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $438K |
| NAVIGATE WELLNESS EIN 27-2536219 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $351K |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $298K |
| NATURALLY SLIM EIN 47-0855698 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $221K |
| THE JELLYVISION LAB, INC. EIN 36-4442819 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $211K |
| UNUM EIN 01-0278678 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $203K |
| PARTNERCOMM INC. EIN 75-2541310 NONE | Direct payment from the plan; Consulting (general); Employee (plan); Employee (plan sponsor); Consulting fees Service code 16 | — | $137K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARIAL | Actuarial; Direct payment from the plan Service code 11 | — | $110K |
| RSW EIN 75-2448056 COMMUNICATIONS | Other services; Direct payment from the plan Service code 49 | — | $106K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Direct payment from the plan; Insurance services Service code 23 | — | $76K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Copying and duplicating; Direct payment from the plan Service code 36 | — | $40K |
| BKD, LLP EIN 44-0160260 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| NEWPORT TRUST COMPANY EIN 26-4691954 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
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 | 36,785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 462 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 972 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 61,290 | $20.9M |
| Vision | EYEMED | 56,735 | $3.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36,785 | $12.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $9.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,769 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61,290 | — |
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.