| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | DELTA DENTAL INSURANCE COMPANY | $59K | $3K | $63K | 4.62% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043790 | LINCOLN NATIONAL LIFE INSURANCE CO | $101K | $2K | $103K | 19.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | $3K | $11K | 2.13% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $63K | $16K | $79K | 17.54% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $32K | $13K | $44K | 12.53% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $40K | $10K | $50K | 15.07% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | NATIONAL GUARDIAN LIFE INSURANCE CO | $32K | — | $32K | 10.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | LINCOLN NATIONAL LIFE INSURANCE CO | $48K | $963 | $49K | 15.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $4K | $9K | 2.75% |
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 | 3,379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,424 | $1.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 1,753 | $322K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 2,839 | $453K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 845 | $330K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 804 | $355K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 2,839 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,424 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.