| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 120 P.O. BOX 123042 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $4K | $30K | 8.36% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 120 P.O. BOX 123042 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 120 P.O. BOX 123042 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 3.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE., #1200 DALLAS, TX 75201 | EYE MED | $5K | — | $5K | 7.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT. 3042, P.O. BOX 123042 DALLAS, TX 75312 | EYE MED | $582 | — | $582 | 0.83% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 120 P.O. BOX 123042 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $523 | $4K | 9.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENVISIONRX EIN 90-1011712 NONE | Claims processing; Contract Administrator Service code 12 | — | $74K |
| LOCKTON COMPANIES, LLC NONE | Other commissions; Insurance agents and brokers; Other services Service code 22 | 2100 ROSS AVE STE 120 DALLAS, TX 75201 | $41K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 NONE | Other fees; Claims processing Service code 12 | — | $40K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 NONE | Contract Administrator Service code 13 | — | $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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 1,287 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,185 | $364K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $249K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 882 | $247K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,185 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,287 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.