| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157K | $150K | $307K | 5.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPARTMENT 999228 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192K | $16K | $209K | 3.95% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $686 | $1 | $687 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $48K | $19K | $67K | 7.48% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 1.46% |
| ASSUREDPARTNERS3 | 4244 MOUNT PLEASANT STREET NW SUITE 200 NORTH CANTON, OH 44720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.70% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.63% |
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 | 6,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 164 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 253 | $3.3M |
| Dental | DELTA DENTAL OF OHIO | 9,570 | $2.8M |
| Vision | COMMUNITY INSURANCE COMPANY | 8,853 | $649K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,468 | $5.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,468 | $5.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,468 | $5.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 253 | $3.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,468 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,570 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.