| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, TX 64112 | SYMETRA LIFE INSURANCE COMPANY | $162K | $49K | $211K | 15.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SYMETRA LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.15% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 CHICAGO, IL 60693 | SYMETRA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 1.31% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | $0 | $27K | 2.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | $3K | $22K | 5.74% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.17% |
| LOCKTON COMPANIES, LLC3 | ONE BURTON HILLS BOULEVARD SUITE 200 NASHVILLE, TN 37215 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $0 | $4K | 4.68% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | $0 | $2K | 5.00% |
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 | 1,300 | 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) | 1,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 53 | $663K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,300 | $1.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,174 | $315K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,300 | $1.4M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,300 | $1.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,300 | $1.4M |
| Prescription drug(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 53 | $663K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,300 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.