| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70K | $70K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 752012739 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 752012739 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $62K | $98K | 2.68% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 752012739 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD., STE 635 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24K | $24K | 2.57% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 752012739 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $14K | $18K | 3.71% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, P.O.BOX 123042 DALLAS, TX 753123042 | EYEMED VISION CARE | $17K | — | $17K | 3.64% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, P.O.BOX 123042 DALLAS, TX 753123042 | EYEMED VISION CARE | $7K | — | $7K | 4.47% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, P.O.BOX 123042 DALLAS, TX 753123042 | EYEMED VISON CARE | $1K | — | $1K | 4.00% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042, P.O.BOX 123042 DALLAS, TX 753123042 | EYEMED VISION CARE | $561 | — | $561 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 21300 VICTORY BLVD., STE 635 WOODLAND HILLS, CA 91367 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $347 | $347 | 3.53% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 752012739 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $163 | — | $163 | 1.66% |
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 | 13,354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 297 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 13,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 19,932 | $5.9M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 10,359 | $690K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,932 | $9.6M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 343 | $141K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,348 | $1.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,354 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,932 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.