| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DEPT 999228 | PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY- ACTIVE ADDITIONAL | $5K | — | $5K | 1.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DEPT 999228 | PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY- INACTIVE ADDITIONAL | $3K | — | $3K | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DEPT 999228 | PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY- ACTIVE | $2K | — | $2K | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DEPT 999228 | PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY- INACTIVE | $2K | — | $2K | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC DEPT 999228 | PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY- SUPPLEMENTAL | $0 | — | $0 | 0.00% |
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 | 1,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,106 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY- ACTIVE ADDITIONAL | 1,965 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,965 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.