| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | -$42 | -$42 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $245K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $61K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $60K |
| COMMERCE BANK N.A. EIN 44-0206815 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $53K |
| TABEN GROUP EIN 48-0770908 NONE | Other fees; Direct payment from the plan Service code 50 | — | $41K |
| MAYER HOFFMAN MCCANN PC EIN 43-1947695 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| SPENCER FANE BRITT & BROWNE EIN 44-0561981 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $27K |
| SURENCY LIFE AND HEALTH EIN 26-1969009 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $12K |
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 | 1,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,429 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,627 | $159K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,697 | $499K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,627 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,627 | — |
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.