| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P. CHARLES3 | 4815 WEST 85TH STREET PRAIRIE VILLAGE, KS 66207 | HIGHMARK BLUECROSS BLUESHIELD | $20K | — | $20K | 4.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $5K | $711 | $6K | 11.52% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $0 | $343 | $343 | 0.64% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 6.49% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD, SUITE 130 DALLAS, TX 75254 | AMERITAS | $2K | — | $2K | 10.07% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERITAS | $2K | — | $2K | 9.92% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BEAZLEY INSURANCE COMPANY, INC. | $1K | $0 | $1K | 11.03% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH, LLC | 14755 PRESTON ROAD, SUITE 130 DALLAS, TX 75254 | BEAZLEY INSURANCE COMPANY, INC. | $939 | $0 | $939 | 8.97% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUECROSS BLUESHIELD | 56 | $425K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 72 | $43K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUECROSS BLUESHIELD | 58 | $446K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 49 | $64K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 49 | $64K |
| Long-term disability | STANDARD INSURANCE COMPANY | 49 | $54K |
| Prescription drug | HIGHMARK BLUECROSS BLUESHIELD | 56 | $425K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 49 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.