| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98K | $10K | $108K | 13.59% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $35K | $37K | 4.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 672683 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $56K | $0 | $56K | 9.90% |
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 | 955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 661 | $566K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 661 | $566K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $794K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $794K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $794K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.