| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $205 | $54K | 10.55% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $8K | $27K | 7.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM INSURANCE COMPANY | $23K | $4K | $27K | 24.91% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 4.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $224 | $0 | $224 | 0.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $749 | $749 | 2.00% |
| PACIFIC RESOURCE BENEFITS ADVISORS3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.00% |
| ADVANCED LTC INSURANCE SERVICES3 Filed as: ADVANCED LTC INSURANCE SVCS., LLC | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $669 | $0 | $669 | 3.69% |
| FIRST USA INSURANCE BROKERAGE, INC.3 | 6119 LA GRANADA, SUITE C2151 SANTE FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.30% |
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,213 | $511K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,178 | $52K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $383K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $420K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $383K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,213 | — |
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.