| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $39K | $57K | 4.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $162 | $162 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.85% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DRIVE HOUSTON, TX 77042 | METLIFE LEGAL PLANS, INC. | $4K | $0 | $4K | 6.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS, INC. | $2K | $0 | $2K | 3.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $592 | $592 | 0.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $0 | $62 | $62 | 0.10% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | UNKNOWN SUGAR LAND, TX 77478 | TRIPLE S SALUD, INC. | $732 | $0 | $732 | 2.50% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | UNKNOWN SUGAR LAND, TX 77478 | TRIPLE S SALUD, INC. | $732 | $0 | $732 | 2.50% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $3K | $3K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $2K | $2K | 20.00% |
No Schedule C service providers reported on this filing.
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 | 3,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 397 | $2.7M |
| Dental | TRIPLE S SALUD, INC. | 5 | $29K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 2,316 | $419K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,297 | $1.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,297 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 397 | $2.7M |
| Other(6 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,303 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,303 | — |
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.