| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $97K | $12K | $109K | 13.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 752012739 | UNITED HEALTH INSURANCE COMPANY | $33K | $0 | $33K | 6.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD SUITE 2500 DALLAS, TX 75201 | LIBERTY MUTUAL INSURANCE COMPANY OF BOSTON | $19K | $3K | $22K | 12.51% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1400 DALLAS, TX 75201 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $5K | $0 | $5K | 20.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1400 DALLAS, TX 75201 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 450 COLUMBUS BLVD HARTFORD, CT 06103 | $741K |
| DELTA DENTAL EIN 23-7322578 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | $95K |
| UNITED HEALTHCARE SERVICES INC FLEX EIN 41-1289245 CLAIM PROCESSOR | Other services; Claims processing Service code 12 | 450 COLUMBUS BLVD HARTFORD, CT 06103 | $41K |
| VISION SERVICE PLAN EIN 73-1004909 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 123042 DALLS, TX 75312 | $29K |
| LOCKTON COMPANIES EIN 20-3354970 BROKER | Other commissions Service code 55 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | $0 |
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 | 1,671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,674 | $836K |
| Long-term disability | LIBERTY MUTUAL INSURANCE COMPANY OF BOSTON | 1,674 | $173K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTH INSURANCE COMPANY | 4,456 | $528K |
| Other(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,703 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,456 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.