| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN REGION MA | — | $2K | $2K | 0.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AV STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.46% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 29.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $44K | $0 | $44K | 29.67% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $432 | $432 | 0.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $6 | $27K | 24.23% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.22% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $548 | — | $548 | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $6 | $11K | 24.42% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $538 | $538 | 1.24% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $216 | $0 | $216 | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.02% |
| LOCKTON COMPANIES, LLC0 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 10.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLS | 2100 ROSS AVE. STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $631 | $631 | 1.50% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $421 | $421 | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $6 | $10K | 24.40% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $507 | $507 | 1.23% |
| RED GATE GROUP LLC3 | 2 CENTRAL AV STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $205 | $0 | $205 | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $43 | $3K | 10.62% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE SUITE 201 MADISON, NJ 07940 | METROPOLITAN GENERAL INSURANCE COMPANY | $249 | $0 | $249 | 1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $137 | $137 | 0.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $36 | $36 | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $34 | $34 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $5 | $5 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| LOCKTON COMPANIES, LLC0 | 1801 K ST. NW SUITE 200 WASHINGTON, DC 20006 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $254 | — | $254 | 4.92% |
| LOCKTON COMPANIES, LLC0 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $499 | — | $499 | 20.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL EIN 11-3335620 THIRD PARTY ADMINISTRATO | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $547K |
| AMERIBEN EIN 11-3335620 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $510K |
| MCCONNELL JONES EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $49K |
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 16-1486454 CLAIM PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $12K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | — | $10K |
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 | 1,952 | 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) | 1,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN REGION MA | 450 | $1.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 2,253 | $908K |
| Vision | VISION SERVICE PLAN | 1,046 | $152K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,795 | $150K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $42K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 321 | $229K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,062 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,253 | — |
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.