| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | — | $23K | 3.72% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $3K | — | $3K | 6.72% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $294 | $1K | 19.39% |
| ARCHON LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $530 | $530 | 7.50% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $484 | $484 | 6.85% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $807 | $324 | $1K | 19.37% |
| ARCHON LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $441 | $441 | 7.55% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $404 | $404 | 6.92% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $247 | $1K | 24.26% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $327 | $327 | 5.65% |
| ARCHON LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $290 | $290 | 5.01% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $582 | — | $582 | 10.52% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $821 | $174 | $995 | 24.25% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $265 | $265 | 6.46% |
| ARCHON LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $217 | $217 | 5.29% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $645 | $134 | $779 | 24.16% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $295 | $295 | 9.15% |
| ARCHON LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $199 | $199 | 6.17% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $365 | $143 | $508 | 19.43% |
| ARCHON LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $244 | $244 | 9.33% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $209 | $209 | 8.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 92 | $618K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 96 | $45K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 79 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $6K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.