| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $228K | $71K | $299K | 16.70% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 3.23% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 NORTH HAYDEN ROAD, SUITE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 1.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.94% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 11.52% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $14K | $0 | $14K | 20.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $121 | $6K | 11.11% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $408 | $408 | 0.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $176 | $176 | 0.31% |
| LOCKTON COMPANIES, LLC3 | 4401 NORTHSIDE PARKWAY, SUITE 400 ATLANTA, GA 30327 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $127 | $127 | 0.23% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $51 | $51 | 0.09% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST, INC. | 1850 NORTH CENTRAL SUITE 1700 PHOENIX, AZ 85004 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $27 | $27 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $13 | $13 | 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 | 1,595 | 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) | 1,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 21 | $161K |
| Dental | AETNA LIFE INSURANCE COMPANY | 21 | $161K |
| Vision | AETNA LIFE INSURANCE COMPANY | 21 | $161K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,622 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,622 | $1.1M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 21 | $161K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,814 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,814 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.