| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 6.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $3K | $21K | 13.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 9.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST DALLAS, TX 75201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 10.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $580 | $4K | 13.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST DALLAS, TX 75201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $144 | — | $144 | 11.25% |
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 | 2,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,915 | $145K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,171 | $295K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,280 | $161K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,473 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,171 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.