| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $12K | $0 | $12K | 2.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $85K | $10K | $95K | 19.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 1.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.49% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $11K | $0 | $11K | 2.48% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $73 | $41K | 12.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.32% |
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 | 466 | 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) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 157 | $948K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,094 | $328K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,094 | $328K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $498K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $498K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $498K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 157 | $948K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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.