| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $152K | $30K | $182K | 5.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 2.50% |
| CFA LLC3 | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $64K | $64K | 2.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $137K | $129 | $137K | 6.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES L | 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 0.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $445 | $445 | 0.02% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD BRIAN SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| WILLIAM EDWARD THOMPSON II3 Filed as: WILLIAM EDWARD THOMPSON | 11350 MCCORMICK ROAD EXECUTIVE PLAZA IV #200 HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $943 | $572 | $2K | 4.43% |
| DENNIS T FACIUS3 | 225 INTERNATIONAL CIRCLE SUITE 102 COCKEYSVILLE, MD 21030 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $16 | $1K | 3.29% |
| J BROOKS BRADLEY3 | 10518 POT SPRING ROAD COCKEYSVILLE, MD 21030 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO SERIES CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $286 | $286 | 0.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | — | $127 | $127 | 0.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | — | $18 | $18 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $694K |
| MDLIVE EIN 45-4937055 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
| HEALTHSPARQ EIN 35-2486216 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
| LOCKTON COMPANIES EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $27 |
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 | 1,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,872 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,872 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,872 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,872 | $2.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,405 | $3.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,872 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,872 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.