| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $3K | $3K | 0.12% |
| DEARDEN & ASSOCIATES INC INSURANCE3 | DEARDEN, DANIEL A PO BOX 868 HEBER CITY, UT 84032 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $28K | $11K | $39K | 2.27% |
| DEARDEN & ASSOCIATES INC INS GROUP3 Filed as: DEARDEN ASSOC INC INS GROUP | 2660 RANCH DR HEBER CITY, UT 84032 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 3.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4275 EXECUTIVES SQ STE 600 LA JOLLA, CA 92037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.28% |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 379 | $4.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 311 | $3.4M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 311 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 256 | $650K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 256 | $650K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 256 | $650K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.