| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622K | — | $622K | 29.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622K | — | $622K | 29.83% |
| DARLENE S DILLON3 | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 1.41% |
| DARLENE S DILLON3 | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 0.86% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $27K | — | $27K | 2.05% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD, STE 401 AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $28K | $147K | $175K | 31.10% |
| FIRST HEALTH3 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE LIFE INSURANCE | — | $38K | $38K | 6.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC 900 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $14K | — | $14K | 3.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 1.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.34% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | JOHN HANCOCK LIFE & HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 1.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $619 | $619 | 1.52% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $154 | $154 | 1.47% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | COMPANION LIFE INSURANCE COMPANY | $516 | — | $516 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.4M |
| AMERIFLEX, LLC EIN 22-3639401 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $73K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $19K |
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 | 10,435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,736 | $5.5M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 4,848 | $4.2M |
| Vision | EYEMED VISION CARE | 7,919 | $455K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,435 | $515K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,736 | $2.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,316 | $267K |
| Prescription drug(3 contracts, 2 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 1,668 | $1.5M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,854 | $1.4M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,435 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,435 | — |
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.