| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, IN 20006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $381K | $294K | $675K | 5.26% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.03% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $0 | $167K | $167K | 1.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $868K | $210 | $868K | 21.64% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE, SUITE 201 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $4K | $127K | 3.17% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $121K | $121K | 3.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $67K | $67K | 1.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.03% |
| LOCKTON COMPANIES, LLC | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $0 | $51K | 1.66% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $50K | $50K | 1.64% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE, SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34K | $34K | 1.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $216 | $0 | $216 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $58K | $70 | $58K | 9.55% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE, SUITE 201 MADISON, MA 07940 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 0.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $6K | $6K | 0.93% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
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 | 15,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 361 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 777 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 2,088 | $18.5M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF VIRGINIA | 30,466 | $11.6M |
| Vision | VISION SERVICE PLAN | 12,639 | $1.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,566 | $12.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,065 | $3.1M |
| Prescription drug(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 338 | $758K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,189 | $17.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,466 | — |
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."
No prospect flags tripped on this filing.