| 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 | $615K | $57 | $615K | 4.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $182K | $182K | 1.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $85K | — | $85K | 6.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $79K | — | $79K | 6.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 303741738 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FEDELITY SECURITY LIFE INSURANCE COMPANY | $393 | — | $393 | 4.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $334 | — | $334 | 4.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3 | — | $3 | 4.35% |
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 | 14,533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 30,557 | $13.1M |
| Vision(6 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,645 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,557 | — |
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.