| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 600 UNIVERSITY STREET SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | — | $31K | 13.42% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 7.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVENUE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.83% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | PO BOX 778895 CHICAGO, IL 60677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.52% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$956 | -$956 | -0.41% |
| LOCKTON COMPANIES, LLC3 Filed as: MOUNTAIN WEST SERIES OF LOCKTON | COMPANIES DEPT 42245 PO BOX 650823 DALLAS, TX 75265 | METLIFE LEGAL PLANS | $2K | — | $2K | 8.30% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $2K | $75 | $2K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METLIFE LEGAL PLANS | $0 | $114 | $114 | 0.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NE SERIES | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $26 | $26 | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 752016527 | METLIFE LEGAL PLANS | $0 | $1 | $1 | 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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $232K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $232K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $232K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.