| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900,IAS KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $8K | $21K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | US PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.64% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 1.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | US 200 LIBERTY ST. FL6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $3K | $60 | $3K | 12.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $192 | $192 | 0.75% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 69 | $477K |
| Dental | AETNA LIFE INSURANCE CO. | 335 | $75K |
| Vision | VISION SERVICE PLAN | 1,469 | $384K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,544 | $1.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,900 | $869K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,544 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,544 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.