| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | AETNA LIFE INSURANCE COMPANY | $845 | $845 | $2K | 0.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 13.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 450 E. 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | AETNA LIFE INSURANCE CO. | $9K | $4K | $13K | 15.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 210 | $1.4M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $204K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 210 | $1.6M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $117K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $117K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $117K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.