| 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 | $111K | $15K | $125K | 14.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 752012739 | UNITED HEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 10.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | $3K | $22K | 12.50% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 450 COLUMBUS BLVD HARTFORD, CT 06103 | $720K |
| DELTA DENTAL EIN 23-7322578 CONTACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | $96K |
| 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 06-1227840 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 123042 DALLAS, TX 75312 | $29K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752012739 | $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 | 1,758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,758 | $886K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,699 | $178K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 4,404 | $561K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,758 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,404 | — |
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.