| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | — | $341 | $341 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 2.88% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $3K | $16K | 28.51% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE, STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $789 | $789 | 1.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST., SUITE 900 KANSAS CITY, MO 64112 | BERKELY LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE, SUITE 700 DENVER, CO 90237 | HARTFORD LIFE AND ACCIDENT | — | $285 | $285 | 2.42% |
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 | 835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 817 | $7.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 274 | $43K |
| Vision | VISION SERVICE PLAN | 491 | $71K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 821 | $488K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 821 | $476K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 821 | $476K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 817 | $7.5M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 924 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.