| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 7401 METRO BOULEVARD, UNIT 210 EDINA, MN 55439 | QBE INSURANCE | — | $88K | $88K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 2.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 2.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $21K | $21K | 6.93% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA STREET, 52ND FLOOR LOS ANGELES, CA 90017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $8K | $8K | 2.78% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 1.50% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $16K | $16K | 6.94% |
| LOCKTON COMPANIES, LLC3 | 777 S. FIGUEROA STREET, 52ND FLOOR LOS ANGELES, CA 90017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 2.78% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 1.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | $1K | $8K | 11.53% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $2K | $4K | 6.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $189 | $5K | 10.54% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $294 | $294 | 0.68% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $37 | $37 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $5 | $5 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 6.94% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.30% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA STREET, 52ND FLOOR LOS ANGELES, CA 90017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $216 | $216 | 0.70% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE AND HEALTH INSURANCE COMPANY | $39 | — | $39 | 0.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $977 | $176 | $1K | 11.80% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $266 | $222 | $488 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $568K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $371K |
| LIFE INS. COMPANY OF NORTH AMERICA EIN 23-1503749 ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
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 | 755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $361K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 730 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 730 | $1.1M |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 755 | $301K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 755 | $305K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $361K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 703 | $1.8M |
| Other(4 contracts, 3 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 755 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.