| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE CO. | $106K | $2K | $108K | 10.65% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | $3K | $3K | 8.18% |
| JOHN MEISENBACH3 | 1325 4TH AVE STE 2100 SEATLLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.85% |
| COMISKEY KAUFMAN INC3 | 2100 ROSS AVE FL 22 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $128 | — | $128 | 0.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 0.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $65 | $65 | 0.21% |
| ROSEMARY A REID3 Filed as: ROSEMARY REID | PO BOX 927 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.03% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 554 | $1.0M |
| Life insurance | AETNA LIFE INSURANCE CO. | 554 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 554 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 554 | $1.0M |
| Other | AETNA LIFE INSURANCE CO. | 554 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.