| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $28K | $53K | $81K | 11.52% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALITIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.55% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.89% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DEPARTMENT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $7K | $847 | $8K | 16.84% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $3K | $3K | 200.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | ZURICH AMERICAN INSURANCE COMPANY | $225 | — | $225 | 15.03% |
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 | 2,428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,777 | $125K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,428 | $705K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,463 | $637K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,428 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,463 | — |
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.