| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 11.24% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IL 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $270 | $270 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | GUARDIAN DENTAL | — | $16K | $16K | 3.66% |
| LOCKTON COMPANIES, LLC3 | 725 S FIGUEROA STREET, FLOOR 35 LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | $49K | $0 | $49K | 20.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 1,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN DENTAL | 993 | $441K |
| Vision | EYEMED | 1,681 | $85K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $847K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $847K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $847K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,681 | — |
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.