| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | DELTA DENTAL INSURANCE COMPANY | $74K | — | $74K | 5.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $75K | $31K | $107K | 19.82% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | LINCOLN NATIONAL LIFE INSURANCE CO | $98K | $3K | $101K | 18.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | $800 | $9K | 1.68% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $39K | $25K | $64K | 14.84% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $46K | $9K | $54K | 14.29% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $14K | $14K | 3.57% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | LINCOLN NATIONAL LIFE INSURANCE CO | $52K | $3K | $55K | 17.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $755 | $6K | 1.89% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | NATIONAL GUARDIAN LIFE INSURANCE CO | $30K | — | $30K | 10.00% |
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 | 3,831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 6,288 | $1.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 2,563 | $304K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 3,895 | $538K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 1,129 | $381K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 1,042 | $428K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 3,895 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,288 | — |
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.