| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66K | $13K | $79K | 20.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 12.64% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | AETNA LIFE INSURANCE COMPANY | $787 | — | $787 | 0.80% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA INSURANCE COMPANY | $13K | $0 | $13K | 19.63% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $684 | — | $684 | 8.54% |
| LOCKTON COMPANIES, LLC4 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $423 | — | $423 | 5.28% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $144 | $0 | $144 | 1.80% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,152 | $396K |
| Vision | HUMANA INSURANCE COMPANY | 484 | $67K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 861 | $389K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 861 | $389K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 861 | $389K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 861 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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.