| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BOULEVARD, SUITE 510 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $17K | $45K | $62K | 4.07% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | STANDARD INSURANCE COMPANY | $32K | $12K | $44K | 2.89% |
| ADP INC3 Filed as: ADP INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $42K | $42K | 2.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | PO BOX 843844 KANSAS CITY, MO 64184 | STANDARD INSURANCE COMPANY | $0 | $8K | $8K | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $38 | $4K | 7.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $571 | $571 | 1.20% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 34.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $726 | $0 | $726 | 15.65% |
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 | 2,733 | 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) | 2,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 2,731 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,731 | $1.5M |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,731 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,731 | $1.5M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,731 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,731 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.