| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $405K | $0 | $405K | 3.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $283K | $283K | 2.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $68K | $68K | 0.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | KAISER FOUNDATION HEALTH PLAN, INC. | $126K | $0 | $126K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | NATIONWIDE | $257K | $0 | $257K | 7.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $268K | $0 | $268K | 16.33% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC. | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $54K | $54K | 3.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $88K | $0 | $88K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | AMERITAS | $90K | $0 | $90K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | $0 | $7K | 1.56% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $349 | $6K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $4K | $21K | 6.58% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $60 | $5K | 1.61% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $5K | $0 | $5K | 1.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $28K | $0 | $28K | 9.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $0 | $272 | $272 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | FEDERAL INSURANCE COMPANY | $4K | $271 | $4K | 21.08% |
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 | 17,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,059 | $14.1M |
| Dental | AMERITAS | 2,746 | $899K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 7,170 | $2.2M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,668 | $13.9M |
| Short-term disability | NATIONWIDE | 2,059 | $3.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,668 | $10.3M |
| Prescription drug(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,309 | $10.8M |
| Other(7 contracts, 7 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,325 | $16.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,325 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.