| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111K | $68K | $179K | 9.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $78K | $78K | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, IL 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 1.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES- KANSAS CITY | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $8K | $240 | $8K | 5.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 2400 HOUSTON, TX 77042 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 2.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES- MOUNTAIN WEST | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $488 | $488 | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET, STE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $353 | $353 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $0 | $195 | $195 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NE SERIES | 76 BATTERSON PARK RD, STE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $192 | $192 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY, STE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $0 | $97 | $97 | 0.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $2K | $23K | 17.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 17.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $1K | $17K | 17.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC- DALLAS | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 2.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | AETNA INTERNATIONAL | $3K | $0 | $3K | 29.99% |
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 | 6,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 14 | $86K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 7,945 | $408K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,841 | $1.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,841 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,841 | $1.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 14 | $86K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,841 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,945 | — |
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.