| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR SCOTTSDALE, AZ 85250 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $160K | $0 | $160K | 1.00% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $501K | $0 | $501K | 18.01% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $45K | $45K | 1.62% |
| RONALD M KLEIMAN3 Filed as: RONALD M. KLEIMAN | 4522 RED OAK LANE LONG GROVE, IL 60047 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 0.73% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR SCOTTSDALE, AZ 85250 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90K | $26K | $116K | 12.91% |
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 | 1,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 3,262 | $16.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,295 | $897K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,295 | $897K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,838 | $2.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,838 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,838 | $2.8M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 3,262 | $16.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,838 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,262 | — |
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."
No prospect flags tripped on this filing.