| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | SECURIAN LIFE INSURANCE COMPANY | $270K | $0 | $270K | 2.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 42247 PO BOX 650823 DALLAS, TX 75265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $15K | $15K | 0.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $206 | $206 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98K | $0 | $98K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: MOUNTAIN WEST SERIERS OF LOCKTON CO | DEPT 42245 PO BOX 650823 DALLAS, TX 75265 | METLIFE LEGAL PLANS | $123K | $0 | $123K | 9.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DBA AON/CPG P.O. BOX 33009 NEWARK, NJ 071880009 | METLIFE LEGAL PLANS | $0 | $127 | $127 | 0.01% |
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 | 34,635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 520 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,210 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | SELECTHEALTH | 744 | $35.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 52 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 52 | $1.6M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 94,620 | $10.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34,635 | $8.9M |
| Prescription drug | HEALTH ADVANTAGE BLUE CROSS BLUE SHIELD OF ARKANSAS | 371 | $5.7M |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 94,620 | $16.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94,620 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.