| 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 | $271K | $271K | 2.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $221K | $570 | $221K | 2.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02441 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $570 | $141K | 1.36% |
| CALVOS INSURANCE UNDERWRITERS, INC.3 | PO BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD | $7K | $0 | $7K | 2.00% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | HYATT LEGAL PLANS | $20K | $0 | $20K | 9.89% |
| YOUDECIDE, INC.3 Filed as: YOUDECIDE COM, INC. | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | HYATT LEGAL PLANS | $0 | $8 | $8 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
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 | 13,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 267 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE PACIFIC INSURANCE LTD | 60 | $344K |
| Dental | TOKIO MARINE PACIFIC INSURANCE LTD | 60 | $344K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 14,447 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,070 | $10.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,070 | $10.4M |
| Prescription drug | TOKIO MARINE PACIFIC INSURANCE LTD | 60 | $344K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,070 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,070 | — |
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.