| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115K | $0 | $115K | 3.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115K | $0 | $115K | 3.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $83K | $83K | 2.58% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $100K | $38K | $138K | 13.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $100K | $0 | $100K | 9.94% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS, INC. | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $58K | $0 | $58K | 10.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $0 | $32K | 13.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $5K | $22K | 9.45% |
| VIDAL & RODRIGUEZ3 | UNKNOWN SAN ANTONIO, TX 78256 | TRIPLE S SALUD, INC. | $7K | $0 | $7K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS, INC. | $14K | $146 | $14K | 11.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | $0 | $1K | $1K | 0.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $0 | $397 | $397 | 0.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS, INC. | $0 | $5 | $5 | 0.00% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $791 | $0 | $791 | 13.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $187 | $41 | $228 | 3.81% |
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 | 5,503 | 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) | 5,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 27 | $139K |
| Dental | TRIPLE S SALUD, INC. | 27 | $139K |
| Vision | VISION SERVICE PLAN | 3,403 | $536K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,503 | $3.2M |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 336 | $275K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,503 | $3.2M |
| Prescription drug | TRIPLE S SALUD, INC. | 27 | $139K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,503 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,503 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.