| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 505115 ST. LOUIS, MO 63150 | COMPANION LIFE INSURANCE COMPANY | $6K | $1K | $7K | 13.04% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 9.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 COOL SPRINGS BLVD STE 600 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $461 | $2K | 12.67% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 9.70% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE STE 900 ST. LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 5.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | MUTUAL OF OMAHA INSURANCE COMPANY | $619 | $144 | $763 | 13.04% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | MUTUAL OF OMAHA INSURANCE COMPANY | $551 | — | $551 | 9.42% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 178 | $57K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 133 | $19K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.