| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE NW STE 800 ATLANTA, GA 303052430 | METROPOLITAN LIFE INSURANCE COMPANY | $231K | $129 | $231K | 1.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $196K | $196K | 1.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH ST, STE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.2M | — | $1.2M | 17.28% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, STE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.2M | $0 | $1.2M | 17.28% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS, INC | 6363 COLLEGE BOULEVARD, STE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $347K | — | $347K | 10.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST, STE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $336K | $0 | $336K | 10.03% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS, INC | 155 N WACKER DR, STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $145K | — | $145K | 4.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | $20K | $93K | 3.01% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 0.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $248K | $20K | $268K | 9.61% |
| BCINSOURCING, LLC Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | — | $52K | 1.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $20K | $45K | 2.16% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $56K | — | $56K | 3.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FEDELITY SECURITY LIFE INSURANCE COMPANY | $558 | — | $558 | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 641121905 | FEDERAL INSURANCE COMPANY | $7K | $742 | $7K | 22.25% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 8.32% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $730 | $1K | $2K | 6.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $17K | 99.36% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $206 | — | $206 | 5.07% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $235 | $181 | $416 | 10.69% |
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 | 33,829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 159 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,203 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 44,336 | $16.0M |
| Vision(4 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 20,336 | $5.1M |
| Life insurance(4 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 23,247 | $8.3M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21,048 | $3.1M |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 33,417 | $13.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,336 | — |
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.