| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 649 FIFTH AVE SOUTH #204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 3.98% |
| MATRIX SERVICE COMPANY3 | 15 E 5TH STREET STE 1100 TULSA, OK 74103 | STANDARD INSURANCE COMPANY | — | $29K | $29K | 3.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 1.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | -$45K | $38K | -$7K | -0.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 649 FIFTH AVE SOUTH #204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 5.12% |
| MATRIX SERVICE COMPANY3 | 15 E 5TH STREET STE 1100 TULSA, OK 74103 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 3.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | -$13K | $12K | -$1K | -0.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $58K | — | $58K | 26.73% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $4K | — | $4K | 2.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 649 FIFTH AVE SOUTH #204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.21% |
| MATRIX SERVICE COMPANY3 | 15 E 5TH STREET STE 1100 TULSA, OK 74103 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | -$5K | $6K | $1K | 0.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $8K | $20K | 40.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KC SERIES | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $3K | — | $3K | 9.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $151 | $151 | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $127 | $127 | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $68 | $68 | 0.23% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | FOUR EVER LIFE INS CO. | $732 | — | $732 | 14.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - DALLAS | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN, INC. | -$180 | — | -$180 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELUS HEALTH (US) LTD. EIN 52-1883918 | Insurance brokerage commissions and fees Service code 53 | 250 ROYALL STREET SUITE 210W CANTON, MA 02021 | $28K |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 68 | $973K |
| Vision | VISION SERVICE PLAN | 974 | $202K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,515 | $1.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 252 | $154K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 880 | $346K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 796 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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.