| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $5K | $59K | $64K | 6.29% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DRIVE, SUITE 700 HOUSTON, TX 77042 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $71 | $8K | 1.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $7K | $10K | 3.65% |
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 | 1,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,939 | $554K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,939 | $554K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,015 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,106 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,015 | $1.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,015 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,939 | — |
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.