| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 7251 WEST LAKE MEAD BOULEVARD SUITE 230 LAS VEGAS, NV 89128 | HOMETOWN HEALTH PROVIDERS INS CO INC | $84K | $0 | $84K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $14K | $2K | $16K | 12.77% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH PROVIDERS INS CO INC | 216 | $2.1M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 302 | $129K |
| Vision | VISION SERVICE PLAN | 193 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $21K |
| Prescription drug | HOMETOWN HEALTH PROVIDERS INS CO INC | 216 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.