| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K STREET NW WASHINGTON, DC 20006 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.23% |
| JAMES HELLMUTH3 | 8401 CONNECTICUT AVE, SUITE 501 CHEVY CHASE, MD 20815 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 11.46% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH AND ASSOCIATES INC | 8401 CONNECTICUT AVE, SUITE 501 CHEVY CHASE, MD 20815 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K ST NW WASHINGTON, DC 20006 | AETNA LIFE INSURANCE COMPANY | $877 | — | $877 | 1.89% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET, NW WASHINGTON, DC 20006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 20.00% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 301 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $960K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 361 | $431K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 291 | $121K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,008 | $429K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $132K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $960K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,008 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.