| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $122K | $15K | $137K | 10.03% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $177 | $177 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $13K | $41K | 6.22% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | $0 | $9K | 5.42% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | FOUR EVER LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 3.53% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | $753 | $753 | 14.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $753 | $0 | $753 | 14.99% |
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 | 1,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 14 | $101K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 414 | $166K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,466 | $228K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,777 | $664K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,777 | $664K |
| Prescription drug(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 14 | $101K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,466 | — |
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.