| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | DELTA DENTAL INSURANCE COMPANY | $99K | $5K | $104K | 5.44% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $114K | $16K | $130K | 15.98% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $41K | $41K | 5.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | LINCOLN NATIONAL LIFE INSURANCE CO | $179K | $7K | $185K | 31.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE CO | $18K | $31 | $18K | 2.98% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $49K | $13K | $62K | 11.36% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $27K | $27K | 5.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | $57K | $11K | $69K | 14.39% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $24K | $24K | 5.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | NATIONAL GUARDIAN LIFE INSURANCE CO | $41K | — | $41K | 10.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | LINCOLN NATIONAL LIFE INSURANCE CO | $86K | $6K | $92K | 26.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE CO | $9K | $31 | $9K | 2.69% |
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 | 4,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 6,448 | $1.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 2,644 | $409K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 4,024 | $816K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 1,090 | $477K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 999 | $544K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 4,024 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,448 | — |
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.