| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 66210 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $140K | $0 | $140K | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LCOKTON COMPANIES, LLC | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $251K | $0 | $251K | 15.34% |
| RONALD M KLEIMAN3 | 4522 RED OAK LANE LONG GROVE, IL 60047 | HARTFORD LIFE AND ACCIDENT | $84K | $0 | $84K | 5.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $41K | $41K | 2.49% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $100K | $26K | $126K | 12.57% |
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 | 1,419 | 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) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 3,327 | $14.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,391 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,391 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,144 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,144 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,144 | $1.6M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 3,327 | $14.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,144 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,327 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.