| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, IN 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $270K | $270K | 4.41% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.02% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $238K | — | $238K | 21.56% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $66K | $66K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $15K | $259 | $15K | 9.52% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $3K | $3K | 2.18% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $989 | $989 | 0.62% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $365 | $365 | 0.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 120789 NASHVILLE, TN 37212 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $127 | $127 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $123 | $123 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $31 | $31 | 0.02% |
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 | 6,129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 370 | $168K |
| Vision | VISION SERVICE PLAN | 4,220 | $653K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,129 | $6.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,129 | $6.1M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,317 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,317 | — |
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.