| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | DELTA DENTAL INSURANCE COMPANY | $50K | — | $50K | 5.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 14.00% |
| LOCKTON COMPANIES, LLC3 | P.O. 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 3.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 9.00% |
| LOCKTON COMPANIES, LLC3 | P.O. 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 3.11% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 12.00% |
| LOCKTON COMPANIES, LLC3 | P.O. 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.43% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 10.86% |
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 | 3,006 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,645 | $965K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,006 | $226K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,358 | $375K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $248K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 768 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,645 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.