| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVENUE, ST 700 DENVER, CO 80237 | SYMETRA | $20K | — | $20K | 5.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | HUMANA | $17K | — | $17K | 5.83% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA INC | 4211 WEST BOY SCOUT BLVD., STE 100 TAMPA, FL 336075724 | HUMANA | $8 | — | $8 | 0.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | EYEMED | $1K | — | $1K | 2.50% |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 612 | $298K |
| Vision | EYEMED | 802 | $43K |
| Life insurance | SYMETRA | 643 | $392K |
| Other(2 contracts) | INDEPENDENT COLLEGES AND UNIVERSITIES BENEFITS ASSN. | 546 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.