| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, TX 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295K | $0 | $295K | 14.71% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48K | $48K | 2.38% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.66% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $218K | — | $218K | 11.83% |
| LARRY P. QUANEY JR.3 Filed as: LARRY P. QUANEY, JR. | 8336 GAMET CANYON LANE LAS VEGAS, NV 89129 | RELIASTAR LIFE INSURANCE COMPANY | $154K | $0 | $154K | 8.34% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET, SUITE 200 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $32K | $32K | 1.72% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 EAST GOLF ROAD, SUITE 1000 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 0.87% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 5.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 2603 WEST CHARLESTON BOULEVARD LAS VEGAS, NV 89102 | METLIFE LEGAL PLANS | $621 | $0 | $621 | 0.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $0 | $264 | $264 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 10000 WEST CHARLESTON BOULEVARD SUITE 200 LAS VEGAS, NV 89135 | METLIFE LEGAL PLANS | $133 | $0 | $133 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.00% |
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 | 6,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 11,193 | $53.7M |
| Vision | HM LIFE INSURANCE COMPANY | 12,664 | $679K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 10,307 | $1.8M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,748 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,748 | $2.0M |
| Prescription drug | HEALTH PLAN OF NEVADA | 11,193 | $53.7M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,307 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,664 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.