| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | UNITED HEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 2.77% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $8K | $15K | 3.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $8K | $32K | 7.96% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $6K | $55K | 16.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $4K | $25K | 11.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | EYE MED | $9K | — | $9K | 9.15% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $190 | $4K | 10.47% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 12.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $419 | $2K | 7.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $138K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 NONE | Claims processing; Other fees Service code 12 | — | $55K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 CONSULTANT | Consulting (general) Service code 16 | — | $23K |
| LOCKTON COMPANIES LLC CLAIMS PROCESSOR | Claims processing Service code 12 | PO BOX 843844 KANSAS CITY, MO 64184 | $9K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 CONSULTING | Consulting fees; Consulting (general) Service code 16 | PO BOX 123042 DALLAS, TX 75312 | $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 | 1,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,420 | $0 |
| Vision | EYE MED | 1,561 | $101K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,041 | $622K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 477 | $328K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,041 | $407K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,026 | $1.7M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,041 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,026 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.