| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD STE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $30K | $16K | $46K | 23.15% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 5.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $3K | — | $3K | 2.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD LIFE INSURANCE COMPANY | $15K | $7K | $22K | 22.71% |
| 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 | $5K | — | $5K | 5.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $12K | $5K | $17K | 21.69% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $14K | $3K | $17K | 26.22% |
| 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 | 5.45% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES | 500 W MONROE STREET SUITE 3400 CHICAGO, IL 60661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 17.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $945 | — | $945 | 3.46% |
| 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 | $11K | — | $11K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | MERITAIN HEALTH | — | $750K | $750K | — |
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 | 915 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 574 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $0 |
| Vision | VISION SERVICE PLAN | 483 | $102K |
| Life insurance | STANDARD INSURANCE COMPANY | 915 | $198K |
| Short-term disability | STANDARD INSURANCE COMPANY | 308 | $80K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 289 | $95K |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 904 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.