| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK 1000 WALNUT STREET KANSAS CITY, MO 64141 | NATIONWIDE | $252K | — | $252K | 4.55% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $101K | — | $101K | 1.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $31K | — | $31K | 0.56% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK 1000 WALNUT STREET KANSAS CITY, MO 64141 | AMERITAS | $417K | — | $417K | 14.72% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $156K | — | $156K | 5.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS | $52K | — | $52K | 1.84% |
| P.S.H. INSURANCE, INC.3 Filed as: P.S.H.INSURANCE, INC. | 737 BISHOP ST., SUITE 2120 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $12K | — | $12K | 2.98% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 4.00% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 E GOLF RD STE 1000 SCHAUMBURG, IL 601735863 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 64184 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | — | $634K | $634K | — |
| FIRST HEALTH3 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE | — | $422K | $422K | — |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCER BANK 1000 WALNUT STREET KANSAS CITY, MO 64141 | NATIONWIDE | — | $59K | $59K | — |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH ST, SUITE 900 KANSAS CITY, MO 641121906 | NATIONWIDE | — | $35K | $35K | — |
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 | 10,624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | NATIONWIDE | 9,417 | $9.8M |
| Dental(2 contracts, 2 carriers) | AMERITAS | 9,865 | $3.3M |
| Vision(3 contracts, 3 carriers) | AMERITAS | 9,865 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE | 9,417 | $5.8M |
| Short-term disability(2 contracts, 2 carriers) | NATIONWIDE | 9,417 | $5.8M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,629 | $236K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 161 | $416K |
| Other(3 contracts, 3 carriers) | NATIONWIDE | 9,417 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,865 | — |
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.