| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $146K | $40K | $185K | 6.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $46K | $59K | 2.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $47K | $0 | $47K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $116K | $10K | $126K | 21.66% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BCS INSURANCE COMPANY | $27K | $0 | $27K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $20K | $289 | $20K | 4.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS, INC. | $7K | $0 | $7K | 5.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS, INC. | $5K | $0 | $5K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | METLIFE LEGAL PLANS, INC. | $0 | $1K | $1K | 1.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $350 | $350 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | METLIFE LEGAL PLANS, INC. | $0 | $54 | $54 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 MEDICAL PROVIDER | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.6M |
| CONDUENT HR SERVICES, LLC EIN 81-2983623 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.2M |
| MARATHON HEALTH EIN 26-0103977 OTHER SERVICES | Other fees; Other services; Direct payment from the plan Service code 49 | — | $223K |
| MAGELLAN HEALTHCARE EAP EIN 52-2135463 MEDICAL | Insurance services; Direct payment from the plan Service code 23 | — | $198K |
| SELF INSURED STD EIN 01-0278678 PARTICIPANT RESOURCE | Direct payment from the plan; Contract Administrator Service code 13 | — | $171K |
| LOCKTON DUNNING EIN 20-3354970 CONSULTANT | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $132K |
| AETNA DENTAL EIN 06-6033492 DENTAL PROVIDER | Insurance services; Direct payment from the plan Service code 23 | — | $121K |
| CONSUMER MEDICAL EIN 04-3367006 MEDICAL | Insurance services; Direct payment from the plan Service code 23 | — | $55K |
| PAYFLEX FSA COBRA EIN 91-1774434 MEDICAL | Claims processing; Direct payment from the plan Service code 12 | — | $27K |
| WELLS FARGO INSURANCE SERVICES EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $12K |
| PARTNERCOMM, INC. EIN 75-2541310 COMMUNICATIONS | Direct payment from the plan; Participant communication Service code 38 | — | $7K |
| PASSPORT HEALTH EIN 20-8480879 MEDICAL | Insurance services; Direct payment from the plan Service code 23 | — | $6K |
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 | 11,878 | 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) | 11,878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,069 | $488K |
| Vision | VISION SERVICE PLAN | 5,553 | $944K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 26,008 | $3.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,874 | $2.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,874 | $2.1M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 6,371 | $540K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 26,008 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,008 | — |
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.