| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOOCKTON COMPANIES, LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | — | $1K | $1K | 2.25% |
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 | 2,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 618 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 162 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 4,354 | $34.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 4,606 | $2.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,393 | $372K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,269 | $2.7M |
| Prescription drug | TRIPLE S SALUD INC. | 10 | $61K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 4,354 | $796K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,269 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,606 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.