| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC2 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $19K | $99K | 3.45% |
| MJ INSURANCE3 Filed as: MJ INS INC | PO BOX 3430 CARAMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41K | $41K | 1.43% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 1.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $500 | $500 | 0.02% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | -$4K | $35 | -$4K | -0.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $2K | $37K | 15.55% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $35 | $9K | 3.91% |
| MJ INSURANCE3 Filed as: MJ INS INC | PO BOX 3430 CARAMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.20% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $26K | 16.08% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $35 | $6K | 3.63% |
| MJ INSURANCE3 Filed as: MJ INS INC | PO BOX 3430 CARAMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.08% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $1K | $25K | 15.95% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $35 | $5K | 3.32% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 460823430 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.05% |
| MJ INSURANCE3 Filed as: MJ INS INC | PO BOX 3430 CARAMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $10K | $0 | $10K | 11.32% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $2K | $2K | 2.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $639 | $639 | 0.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $131 | $131 | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $73 | $73 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ADDRESS NOT PROVIDED DALLAS, TX 75201 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $21 | $21 | 0.02% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC | 571 MONON BLVD STE 400 CARAMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63 | $0 | $63 | 14.89% |
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 | 3,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,410 | $1.6M |
| Vision | EYEMED VISION CARE | 4,201 | $232K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,904 | $2.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,904 | $2.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,904 | $2.9M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 184 | $959K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,904 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,904 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.