| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 13.53% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBIA, SC 292216486 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 10.49% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 372058434 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 33.94% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $152 | $5K | 15.06% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE ENROLLMENT SERVICES | 149 BELLE FOREST CIRCLE SUITE B NASHVILLE, TN 37221 | COMBINED INSURANCE COMPANY | $14K | — | $14K | 63.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 641121905 | COMBINED INSURANCE COMPANY | $6K | — | $6K | 27.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73 | $73 | 0.36% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 372058434 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 34.08% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $98 | $1K | 15.64% |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 229 | $39K |
| Dental | DELTA DENTAL OF KENTUCKY | 470 | $111K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 412 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 426 | $20K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $100K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.