| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $6K | 2.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $73 | $5K | 1.83% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $384 | $15K | 10.94% |
| JOSEPH FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.30% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.94% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS OF FLORIDA | $593 | $146 | $739 | 7.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS OF FLORIDA | $408 | — | $408 | 4.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $35 | $1K | 15.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Other services; Participant communication; Other commissions Service code 12 | — | $277K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $7K |
| UNITEDHEALTHCARE EIN 30-0993007 ADMINISTRATOR | Contract Administrator Service code 13 | — | $0 |
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 | 726 | 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) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $213K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 552 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $247K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $247K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $247K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 552 | $32K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 288 | $290K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.