| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $873 | $0 | $873 | 4.76% |
| SUPERIOR LIFE SOLUTIONS, INC.3 | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $452 | $0 | $452 | 2.46% |
| GROUP AGENCY MANAGEMENT INC.3 Filed as: GROUP AGENCY MANAGEMENT, INC. | PO BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $372 | $0 | $372 | 2.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $63 | $0 | $63 | 0.34% |
| SMART SOLUTIONS LLC3 Filed as: SMART SOLUTIONS, LLC | 204 HODDER LANE HIGHLAND SPRINGS, VA 23075 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $34 | $0 | $34 | 0.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $485 | $134 | $619 | 19.15% |
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 | 836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 569 | $82K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 772 | $568K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 772 | $568K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 772 | $568K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 836 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.