| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPT. LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $154K | $5K | $160K | 5.17% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER STE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $198K | $0 | $198K | 10.76% |
| LOCKTON COMPANIES, LLC3 | DEPT. LA 23940 PASADENA, MO 91185 | METLIFE LEGAL | $56K | $254 | $57K | 14.67% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL | $0 | $11K | $11K | 2.93% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET STE 5200 LOS ANGELES, MO 90017 | METLIFE LEGAL | $4K | $1K | $5K | 1.39% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD 3RD FLOOR FARMINGTON, CT 06032 | METLIFE LEGAL | $0 | $2K | $2K | 0.59% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY, STE 150 BIRMINGHAM, AL 75243 | METLIFE LEGAL | $0 | $323 | $323 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 35TH FLOOR KANSAS CITY, MO 64112 | METLIFE LEGAL | $0 | $309 | $309 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 STE 5200 DALLAS, TX 75201 | METLIFE LEGAL | $0 | $37 | $37 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET STE 5200 LOS ANGELES, TX 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $387 | $70K | 21.36% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, TX 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 STE 5200 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET STE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | $0 | $13K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | $0 | $2K | 3.49% |
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 | 2,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 250 | $3.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 2,767 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 2,767 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 2,767 | $1.8M |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 250 | $3.4M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 2,767 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,767 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.