| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 3.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.86% |
| LOCKTON COMPANIES, LLC4 | 1801 K STREET, NW, OFC WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 7.01% |
| SUPERIOR LIFE SOLUTIONS, INC.4 | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $435 | — | $435 | 1.68% |
| GROUP AGENCY MANAGEMENT INC.4 Filed as: GROUP AGENCY MANAGEMENT, INC. | PO BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $346 | — | $346 | 1.34% |
| CHRISTOPHER KELLY4 | 18940 KATRINE C LAKEVILLE, MN 55044 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | $0 | $25 | 0.10% |
| SMART SOLUTIONS LLC4 Filed as: SMART SOLUTIONS, LLC | PO BOX 126 RODANTHE, NC 27968 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | $0 | $20 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $480 | $66 | $546 | 17.08% |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 533 | $75K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 783 | $520K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 783 | $520K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 783 | $520K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 783 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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.