| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $10K | $49K | 6.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $7K | $62K | 9.09% |
| RYAN SPECIALTY BENEFITS3 Filed as: RYAN SPECIALTY (FKA POINT6 HEALTHCA | 6860 N DALLAS PKWY, STE 266 PLANO, TX 75024 | QBE INSURANCE | $26K | — | $26K | 7.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $23K | $57K | 16.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $5K | $36K | 14.04% |
| LENSERF AND CO INC3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 45.02% |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN-CLAUDE FRESNEL JR | 12201 WORTHINGTON RD OWINGS MILLS, MD 21117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MATTHEW W EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $3K | 22.78% |
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 | 2,444 | 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) | 2,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 4,002 | $265K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,679 | $938K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 732 | $341K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,345 | $772K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 2,386 | $358K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,679 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,002 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.