| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS DUNNING3 | 717 NORTH HARWOOD SUITE 2500 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $207K | $0 | $207K | 8.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $91K | $0 | $91K | 3.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 2100 ROSS AVENUE SUITE 2500 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $87K | $0 | $87K | 3.41% |
| LOCKTON COMPANIES, LLC5 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $60K | $60K | 2.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $141K | $0 | $141K | 7.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 17901 VON KARMAN AVENUE SUITE 1100 IRVINE, MO 92614 | NATIONWIDE | $56K | $0 | $56K | 2.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | $0 | $65K | 3.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $642 | $30K | 1.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 7.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | COMBINED INSURANCE COMPANY | $65K | $0 | $65K | 38.57% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CRUM & FORSTER | $5K | $0 | $5K | 10.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMEN AVENUE, SUITE 1100 IRVINE, CA 92614 | CRUM & FORSTER | $1K | $0 | $1K | 2.97% |
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 | 12,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE | 2,750 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,853 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,356 | $431K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,267 | $2.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,267 | $2.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,267 | $2.5M |
| Prescription drug | NATIONWIDE | 2,750 | $1.9M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,267 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,853 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.