| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE STE 700 DENVER, CO 80237 | SUN LIFE ASSURANCE CO OF CANADA | $120K | $15K | $135K | 5.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $33K | — | $33K | 19.49% |
| HENRY W MCCRAY3 | 1050 CROWN POINTE PKWY STE 1500 ATLANTA, GA 30338 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $50 | — | $50 | 0.03% |
| SAM M HUSTON3 | 5099 PINNACLE DR OLDSMAR, FL 34677 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $7 | — | $7 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $17K | — | $17K | 24.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFICSOURCE HEALTH PLANS EIN 93-0245545 CLAIMS PROCESSING | Contract Administrator Service code 13 | — | $1.1M |
| US BANK EIN 81-6082855 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $37K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 INSURANCE AGENCY | Insurance services Service code 23 | — | $27K |
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 | 3,299 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 4,913 | $2.5M |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 4,913 | $2.8M |
| Other | SUN LIFE ASSURANCE CO OF CANADA | 4,913 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,913 | — |
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.