| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $207K | — | $207K | 4.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $230K | $5K | $235K | 7.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $134K | $134K | 4.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | — | $53K | 4.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 0.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $83K | $5K | $88K | 10.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75K | $5K | $80K | 10.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74K | $5K | $79K | 10.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | $5K | $42K | 7.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $22K | $22K | 4.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 4.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | FOUR EVER LIFE INS. CO | $1K | — | $1K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | FOUR EVER LIFE INS. CO | $398 | — | $398 | 5.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $809 | $809 | 18.18% |
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 | 13,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEADSPACE, INC | 13,142 | $189K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13,249 | $4.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12,949 | $5.1M |
| Other(9 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13,249 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,249 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.