| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | — | $0 | — |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HCC LIFE INSURANCE COMPANY | — | — | $0 | — |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | — | $0 | — |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIDELITY INSTITUTIONAL ASSET MGMT T NONE | Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 1 SPARTAN WAY 877-208-0098 MERRIMACK, NH 03054 | $149K |
| LOCKTON COMPANIES, LLC NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | 444 W. 47TH ST, STE 900 KANSAS CITY, MO 64112 | $40K |
| MAZARS USA LLP EIN 13-1459550 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $21K |
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 | 838 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,484 | $0 |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,837 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,707 | $0 |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,484 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,484 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.