| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | MERITAIN HEALTH | $140K | $202K | $341K | 57.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $17K | $2K | $19K | 16.63% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $2K | — | $2K | 3.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 16.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $6K | $700 | $7K | 16.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTN'L MIDWEST LTD | 6100 S. YALE AVE SUITE 1900 TULSA, OK 74136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 325 NORTH OLD WOODWARD AVE SUITE 370 TROY, MI 48085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $358 | $20K | 59.14% |
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 | 795 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 479 | $631K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $34K |
| Vision | VISION SERVICE PLAN | 401 | $69K |
| Life insurance | STANDARD INSURANCE COMPANY | 305 | $116K |
| Short-term disability | STANDARD INSURANCE COMPANY | 248 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 188 | $65K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 795 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.