| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HCC LIFE INSURANCE COMPANY | $48K | — | $48K | 12.32% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $10K | $15K | $26K | 6.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $5K | $26K | 12.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $7K | $13K | 8.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MP 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $6K | $18K | 15.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 12.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 19.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $461 | $6K | 18.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | PO BOX 201629 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $262 | $4K | 16.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | PO BOX 201629 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $264K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $0 |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $204K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 853 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $78K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $148K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $123K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 485 | $389K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.