| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $6K | $55K | 13.48% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $890 | $5K | 1.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM INSURANCE COMPANY | $3K | $886 | $4K | 21.13% |
| WHC CONSULTANTS, LLC4 | 20118 NORTH 67 AVENUE SUITE 300-180 GLENDALE, AZ 85308 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $765 | $0 | $765 | 7.21% |
| KATHERINE J. POTTER4 | 701 WEST GROVE PARKWAY APARTMENT 109 TEMPE, AZ 85283 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $357 | $0 | $357 | 3.37% |
| WAJUCO ASSOCIATES LLC4 Filed as: WAJUCO ASSOCIATES, LLC | 3004 NORTH 190TH DRIVE LITCHFIELD PARK, AZ 85340 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.27% |
| BRUCE PARRISH4 | PO BOX 600 CROCKER, MO 65452 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.26% |
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 | 888 | 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) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 538 | $58K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $409K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $409K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $409K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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.