| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $7K | $7K | 1.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.63% |
| JOHN N. BUFKIN4 | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 13.67% |
| GROUP AGENCY MANAGEMENT INC.4 | PO BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 9.05% |
| SMART SOLUTIONS LLC4 | 204 HODDER LANE HIGHLAND SPRINGS, VA 23075 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $106 | $0 | $106 | 0.54% |
| CHRISTOPHER KELLY4 | 100 INTERLACHEN ROAD BURNSVILLE, MN 55306 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.12% |
| DOUG HALL4 | 3903 SOUTH CONGRESS AVENUE SUITE 41053 AUSTIN, TX 78704 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | $0 | $13 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $646 | $0 | $646 | 15.01% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 517 | $69K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 738 | $387K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 738 | $387K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 738 | $387K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 738 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.