| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | AETNA LIFE INSURANCE CO. | $97K | $2K | $99K | 9.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 1.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | — | $19K | 26.07% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | $1K | $1K | 5.91% |
| JOHN MEISENBACH3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $896 | — | $896 | 4.06% |
| COMISKEY KAUFMAN INC3 | 2100 ROSS AVE FL 22 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | $46 | $91 | 0.41% |
| ROSEMARY A REID3 Filed as: ROSEMARY REID | PO BOX 927 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.04% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 568 | $1.0M |
| Life insurance | AETNA LIFE INSURANCE CO. | 568 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 568 | $1.1M |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 568 | $1.1M |
| Other | AETNA LIFE INSURANCE CO. | 568 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.