| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 8110 EAST UNION AVENUE SUITE 825 DENVER, CO 80237 | GUARDIAN | $57K | — | $57K | 3.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $16K | — | $16K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $685K |
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 | 2,207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 2,207 | $1.7M |
| Vision | GUARDIAN | 2,207 | $1.7M |
| Life insurance | GUARDIAN | 2,207 | $1.7M |
| Short-term disability | GUARDIAN | 2,207 | $1.7M |
| Long-term disability | GUARDIAN | 2,207 | $1.7M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,294 | $391K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 2,207 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,207 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.