| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON GA - NORTHWEST | 2100 ROSS AVENEUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA ST FL 52 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 5.11% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH ST., STE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE CO | — | $5K | $5K | 4.65% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA ST FL 52 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH ST., STE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE CO | — | $3K | $3K | 4.51% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA ST FL 52 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH ST., STE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE CO | — | $2K | $2K | 4.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | VISION SERVICE PLAN | $1K | — | $1K | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $209K |
| MERITAIN HEALTH EIN 16-1264154 SERVICE PROVIDER | Claims processing Service code 12 | 300 CORPORATE PARKWAY ARMHERST, NY 14226 | $10K |
| BLACKMAN & ASSOCIATES, P.C. EIN 47-0813847 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 17445 ARBOR STREET, SUITE 200 OMAHA, NE 681304645 | $9K |
| LOCKTON COMPANIES, LLC EIN 06-1227840 BROKER/CONSULTANT | Consulting (pension) Service code 17 | PO BOX 843844 KANSAS CITY, MO 64184 | $0 |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 189 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 414 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 294 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 356 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE | 317 | $502K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 414 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.