| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | 1801 K ST NW STE 200 WASHINGTON, DC 20006 | UNITED HEALTHCARE INSURANCE COMPANY | $100K | $0 | $100K | 11.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $41K | $4K | $45K | 8.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 022417484 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $68K | $0 | $68K | 14.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 022417484 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $1.0M |
| BSA, INC. DBA GSA NATIONAL EIN 33-0449333 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $330K |
| PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 NONE | Contract Administrator Service code 13 | — | $50K |
| OPTUM BANK EIN 47-0858534 NONE | Claims processing Service code 12 | — | $10K |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 677 | $94K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 574 | $552K |
| Vision | VISION SERVICE PLAN | 531 | $82K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 677 | $456K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 677 | $456K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 677 | $456K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,139 | $898K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 677 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.