| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $1K | $32K | 15.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPNIES, LLC | P.O. BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $623 | $32K | 15.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST STE 2400 SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 3.96% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B ST STE 2400 SANDIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 3.38% |
| ALAMO INSURANCE SERVICES, LTD Filed as: ALAMO INSURANCE SERVICES LTD | 3310 N. WHITE SANDS BLVD ALAMOGORDO, NM 88310 | VISION SERVICE CARRIER | $2K | — | $2K | 2.92% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 20.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP S #1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$467 | — | -$467 | -0.83% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
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 | 790 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 745 | $6.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 473 | $187K |
| Vision | VISION SERVICE CARRIER | 404 | $71K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 790 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.