| 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 | $149K | — | $149K | 22.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $2K | — | $2K | 2.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD STE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 14.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 14.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 14.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| 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 | $15K | $793 | $16K | 61.23% |
| CASSANDRA GREEN4 Filed as: CASSANDRA PRINKE | 25825 N MOON BLOSSUM LN PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 16.18% |
| MEADOR ENTERPRISES LLC4 | 1341 W CORAL REEF DR GILBERT, AZ 85233 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $724 | — | $724 | 10.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 79.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $823 | — | $823 | 20.01% |
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 | 882 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 537 | $666K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $25K |
| Vision | VISION SERVICE PLAN | 456 | $93K |
| Life insurance | STANDARD INSURANCE COMPANY | 820 | $76K |
| Short-term disability | STANDARD INSURANCE COMPANY | 290 | $35K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 312 | $37K |
| Other(2 contracts, 2 carriers) | COMMUNITY CARE | 882 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.