| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $123K | — | $123K | 14.75% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | — | $40K | 5.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC 12421 MEREDITH DR STE MHB URBANDALE, IA 503989001 | RELIASTAR LIFE INSURANCE COMPANY | $158K | — | $158K | 23.28% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 2.47% |
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 | 7,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 144 | $915K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,199 | $415K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 9,361 | $836K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,905 | $677K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 9,361 | $836K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 144 | $915K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 9,361 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,361 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.