| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $77K | $0 | $77K | 11.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 1.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 0.54% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $13K | $24K | 35.67% |
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 | 1,605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 1,143 | $5.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,123 | $67K |
| Vision | VISION SERVICE PLAN | 1,116 | $73K |
| Life insurance(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 1,862 | $6.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,862 | $654K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,862 | $654K |
| Prescription drug | HEALTH PLAN OF NEVADA | 1,143 | $5.8M |
| Other(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 1,862 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,862 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.