| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $58K | $11K | $69K | 11.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NE SERIES | 65 MEMORIAL ROAD SUITE 100 WEST HARTFORD, CT 061074214 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $129 | $29K | 5.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $120 | $120 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 7.97% |
| BENEFITFOCUS.COM, INC.3 | DEPT 3383, PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $308 | $308 | 0.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NE SERIES | 76 BATTERSON PARK ROAD SUITE 3 FAMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $297 | $297 | 0.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $127 | $127 | 0.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $95 | $95 | 0.22% |
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 | 563 | 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) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE-S SALUD, INC. | 4 | $33K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,139 | $495K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,066 | $117K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 986 | $578K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 986 | $578K |
| Prescription drug | TRIPLE-S SALUD, INC. | 4 | $33K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 986 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.