| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE SUITE 140 PEMBROKE PINES, FL 33027 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $50K | $6K | $55K | 5.31% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | DELTA DENTAL OF VIRGINIA | $22K | — | $22K | 2.80% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 7.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 4.93% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $0 | $49K | 20.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $12K | — | $12K | 11.22% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.86% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $2K | — | $2K | 10.70% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 111 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 1,417 | $872K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 581 | $179K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,059 | $527K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,059 | $527K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 111 | $1.4M |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,059 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,417 | — |
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.