| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: MOUNTAIN WEST SERIES OF LOCKTON COM | DEPT 42245 PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $16K | — | $16K | 10.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $1K | $1K | 0.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $449 | $449 | 0.28% |
| LOCKTON COMPANIES, LLC3 Filed as: MOUNTAIN WEST SERIES OF LOCKTON COM | DEPT 42245 PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $291 | $291 | 0.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $136 | $136 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85016 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $127 | $127 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $34 | $34 | 0.02% |
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 | 656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 656 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.