| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 3.19% |
| GENERAL INSURANCE SERVICES INC.3 Filed as: GENERAL INSURANCE SERVICES INC | PO BOX 421 MICHIGAN CITY, IN 46361 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 752017943 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 12.18% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DR STE 700 HOUSTON, TX 770425267 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 4.83% |
| GENERAL INSURANCE SERVICES INC.3 Filed as: GENERAL INSURANCE SERVICES | 405 MAIN ST HOBART, IN 463424443 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 3.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $87 | $9K | 7.70% |
| GENERAL INSURANCE SERVICES INC.3 Filed as: GENERAL INSURANCE SERVICES | 405 MAIN ST HOBART, IN 463424443 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $24 | $2K | 1.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | PRINCIPAL LIFE INSURANCE COMPANY | $944 | — | $944 | 7.11% |
| GENERAL INSURANCE SERVICES INC.3 Filed as: GENERAL INSURANCE SERVICES | 421 FRANKLIN ST MICHIGAN CITY, IN 463603326 | PRINCIPAL LIFE INSURANCE COMPANY | $301 | — | $301 | 2.27% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $115K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $13K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 275 | $127K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 275 | $127K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 275 | $127K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 283 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.