| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRING SPRINGS WAY SUITE 750 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $19K | $8K | $26K | 2.36% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF TENNESSEE | $35K | $0 | $35K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $73K | $0 | $73K | 26.93% |
| LOCKTON COMPANIES, LLC3 | 1715 AARON BINNER DRIVE SUITE 512 MEMPHIS, TN 38120 | HARTFORD LIFE AND ACCIDENT | $6K | $538 | $6K | 16.43% |
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 | 1,150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,756 | $700K |
| Vision | DELTA DENTAL OF TENNESSEE | 1,756 | $700K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,150 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,150 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,150 | $1.1M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,150 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,756 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.