| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PRAK RD, SUITE 3 FARMINGTON, TN 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $255K | — | $255K | 4.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PRAK RD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $7K | $69K | 5.83% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PRAK RD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $87 | $25K | 35.45% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 10.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 76 BATTERSON PRAK RD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $80 | $15K | 27.17% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 13.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 76 BATTERSON PRAK RD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $85 | $15K | 29.87% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 15.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | PO BOIX 3207 BOSTON, MA 02241 | EYEMED VISION CARE | $5K | — | $5K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 76 BATTERSON PRAK RD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $6 | — | $6 | 0.29% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,240 | $5.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $1.2M |
| Vision | EYEMED VISION CARE | 1,103 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,240 | $5.4M |
| Stop-loss / reinsurancereinsurance | EYEMED VISION CARE | 1,103 | $47K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,457 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,457 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.