| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 300 BARR HARBOR DRIVE, SUITE 700 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $78K | $88K | 4.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11 | -$30 | -$41 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $0 | $806 | $806 | 0.64% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | -$529 | $1K | $539 | 2.07% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $2.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 232 | $126K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 232 | $126K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 232 | $126K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $2.0M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 232 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.