| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 1.68% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 1.68% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 1.68% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD, FLOOR 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $5K | $46K | 11.25% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS INC. | PO BOX 416672 BOSTON, MA 02241 | DELTA DENTAL | $7K | $111 | $7K | 2.95% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.68% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD, FLOOR 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $474 | $6K | 16.25% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $91 | — | $91 | 1.69% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $45 | — | $45 | 1.69% |
| LOCKTON COMPANIES, LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | -$49 | — | -$49 | — |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | HARVARD PILGRIM HEALTH CARE | 140 | $2.7M |
| Dental | DELTA DENTAL | 410 | $247K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $445K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
No prospect flags tripped on this filing.