| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $168K | — | $168K | 16.25% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 IAS KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $43K | $55K | 5.36% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST SUITS 900A STOP LOSS DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 4.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-HOUST | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $10K | $23K | 3.99% |
| LOCKTON COMPANIES, LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-DALLAS | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 7.14% |
| LOCKTON COMPANIES, LLC3 | — | ALPHA DENTAL PROGRAM, INC | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $421K |
| PAYFLEX SYSTEMS USA, INC TPA | Insurance services Service code 23 | PO BOX 2239 OMAHA, NE 68103 | $21K |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 468 | $355K |
| Vision | HUMANA INSURANCE COMPANY | 387 | $57K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 566 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 808 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.