| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | — | UNUM | $35K | $14K | $50K | 1.58% |
| LOCKTON COMPANIES, LLC3 | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM | $29K | $12K | $41K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | — | LINCOLN NATIONAL LIFE INC. CO. | $26K | $3K | $29K | 4.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | DEPT. 3042 P. O. BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | $10K | $10K | 2.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES,LLC | DEPT. 3042 P. O. BOX 123042 DALLS, TX 753123042 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | — | LINCOLN NATIONAL LIFE INSURANCE. CO. | $1K | $147 | $2K | 3.70% |
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 | 5,255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM | 8,136 | $3.7M |
| Short-term disability(4 contracts, 3 carriers) | UNUM | 8,136 | $4.3M |
| Long-term disability(4 contracts, 3 carriers) | UNUM | 8,136 | $3.9M |
| Other(3 contracts, 2 carriers) | UNUM | 8,136 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,136 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.