| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CENTER SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $95 | $12K | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $6K | $11K | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.29% |
| CHRISTOPHER JAMES CORROW3 Filed as: CHRISTOPHER D SCHOTT | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 3.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.65% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129K | $0 | $129K | 19.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA INTERNATIONAL | $52K | $0 | $52K | 11.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 11.24% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 1.94% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $563 | $4K | 1.64% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $196 | $1K | 0.57% |
| WILLIAM BEAR3 | 7105 SWAN WAY CARY, IL 60013 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA 35TH FLOOR LOS ANGELES, CA 90017 | AETNA INTERNATIONAL | $3K | $0 | $3K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CTR STE 609 SAN FRANSICO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $95 | $2K | 4.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $634 | $634 | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $102 | $102 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HYATT LEGAL PLANS | $1K | $90 | $1K | 5.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT LA 23940 PASADENA, CA 91185 | HYATT LEGAL PLANS | $1K | $0 | $1K | 4.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | HYATT LEGAL PLANS | $0 | $133 | $133 | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | HYATT LEGAL PLANS | $0 | $95 | $95 | 0.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 64184 | HYATT LEGAL PLANS | $0 | $74 | $74 | 0.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | $0 | $70 | $70 | 0.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | HYATT LEGAL PLANS | $0 | $42 | $42 | 0.16% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY COLVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $265 | $52 | $317 | 12.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $170 | $0 | $170 | 15.04% |
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 | 1,570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 427 | $836K |
| Dental(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 250 | $861K |
| Vision(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 1,005 | $941K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,570 | $1.1M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,164 | $820K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,164 | $820K |
| Other(8 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,570 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,570 | — |
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.