| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.20% |
| LOCKTON COMPANIES, LLC3 Filed as: IAS LOCKTON SPECIALTIES | 180 MONTGOMERY ST SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.13% |
| INSPERITY INSURANCE SERVICES LLC3 | 19001 CRESCENT SPRINGS DR KINGWOOD, TX 77339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.82% |
| INSPERITY INSURANCE SERVICES LLC3 | 19001 CRESCENT SPRINGS DR KINGWOOD, TX 77339 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $70K | $83K | 117.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.32% |
| JENNIFER P MANN3 | 1307 PARK AVE RIVER, IL 60305 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | — | $67 | 0.10% |
| GREGORY LARGE3 Filed as: GREGORY K LARGE | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $49 | — | $49 | 0.07% |
| STACY MATTHEWS3 Filed as: STACY MATHEWS | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.05% |
| LENOX ADVISORS INC3 Filed as: LENOX ADVISORS | 90 PARK AVE FL 18 C/O LENOX ADVISORS NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
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 | 455 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $123K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.