| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $276K | $99K | $375K | 15.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $70K | $70K | 4.68% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 2.87% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 1.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE COMPANY | $22K | $895 | $23K | 8.88% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $25K | $0 | $25K | 20.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 10.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $631 | $631 | 1.07% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $156 | $156 | 0.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
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 | 1,838 | 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) | 1,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 32 | $257K |
| Dental | AETNA LIFE INSURANCE COMPANY | 32 | $257K |
| Vision | AETNA LIFE INSURANCE COMPANY | 32 | $257K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,838 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,838 | $1.5M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 32 | $257K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,054 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,054 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.