| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $40K | $0 | $40K | 6.74% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 1.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 7.16% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $90K | $0 | $90K | 21.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 5.22% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 2.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 8.01% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | COMBINED INSURANCE | $10K | $0 | $10K | 7.46% |
| STEPHENS INSURANCE LLC3 | 3425 NORTH FUTRALL DRIVE SUITE 201 FAYETTEVILLE, AR 72703 | COMBINED INSURANCE | $3K | $0 | $3K | 1.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | COMBINED INSURANCE | $2K | $0 | $2K | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUEADVANTAGE ADMINISTRATIONS EIN 71-0226428 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | OF ARKANSAS PO BOX 3743 LITTLE ROCK, AR 72203 | $1.2M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $204K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $116K |
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 | 3,060 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,916 | $322K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,060 | $738K |
| Short-term disability | STANDARD INSURANCE COMPANY | 869 | $343K |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,090 | $444K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,228 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,916 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.