| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM | $176K | $70K | $246K | 6.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | $10K | $10K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. | STE. 330 12647 ALCOSTA BLVD. SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 8.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.44% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL PLANNING | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES,LLC | DEPT. 3042 P. O. BOX 123042 DALLS, TX 753123042 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $2K | $6K | 9.19% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM | 7,843 | $4.3M |
| Short-term disability(2 contracts, 2 carriers) | UNUM | 7,843 | $4.1M |
| Long-term disability(2 contracts, 2 carriers) | UNUM | 7,843 | $3.6M |
| Other | UNUM | 7,843 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,843 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.