| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC MOUNTAIN WEST | 8110 E. UNION AVE. STE 700 DENVER, CO 80237 | UNITED HEALTHCARE INSURANCE COMPANY | — | $130K | $130K | 2.20% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE. TOLEDO, OH 43604 | UNITED HEALTHCARE INSURANCE COMPANY | — | $96K | $96K | 1.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE SUITE 825 DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 4.78% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 8 CADILLAC DRIVE SUITE 825 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION AVE. SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 3.41% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 24 FRANK LLOYD WRIGHT DRIVE P.O. BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION AVE. SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 4.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 24 FRANK LLOYD WRIGHT DRIVE P.O. BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.61% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 24 FRANK LLOYD WRIGHT DRIVE P.O. BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC. | 8110 E. UNION AVE SUITE 700 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $569 | $4K | 5.18% |
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 | 1,071 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,166 | $5.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 998 | $463K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 998 | $463K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 801 | $186K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 801 | $126K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 2,166 | $5.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 801 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,166 | — |
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.