| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF ARIZONA | $20K | — | $20K | 3.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | $8K | $90K | 16.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $4K | $45K | 16.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $4K | $42K | 16.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PL DR, STE 900 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $30K | $4K | $33K | 24.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF ARIZONA | $13K | — | $13K | 10.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $669 | $7K | 16.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CETNER DR CHICAGO, IL 60693 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 1,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 1,856 | $672K |
| Vision | DELTA DENTAL OF ARIZONA | 1,670 | $127K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,623 | $256K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $270K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,623 | $545K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,623 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,856 | — |
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.