| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $101K | $13K | $113K | 12.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | UNITED HEALTHCARE INSURANCE COMPANY | $86K | $0 | $86K | 11.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $18K | $3K | $20K | 10.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURG, 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 | $290K |
| DELTA DENTAL EIN 23-7322578 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | $105K |
| LINCOLN LIFE ASSURANCE CO BOSTON EIN 04-6076039 | Contract Administrator Service code 13 | PO BOX 123042 DALLAS, TX 75312 | $72K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752017943 | $68K |
| UNITED HEALTHCARE SERVICES INC FLEX EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 450 COLUMBUS BLVD HARTFORD, CT 06103 | $30K |
| VISION SERVICE PLAN EIN 06-1227840 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 123042 DALLAS, TX 75312 | $25K |
| LOCKTON DUNNING SERVICES EIN 20-3354970 CONSULTING | Consulting (general); Consulting fees Service code 16 | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | $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 | 1,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,321 | $921K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,316 | $191K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 3,526 | $727K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,321 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,526 | — |
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.