| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $901 | $29K | $30K | 3.63% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | UNITED HEALTHCARE INSURANCE COMPANY | $181 | $3K | $3K | 0.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $674 | $7K | 7.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $677 | — | $677 | 0.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.12% |
| ROBERTS BENEFIT GROUP, INC.3 | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | -$367 | -$2K | -2.34% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $828K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $89K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $828K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $89K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $89K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $89K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $828K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.