| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $41K | $0 | $41K | 3.07% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF WISCONSIN | $11K | $0 | $11K | 10.59% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 22.87% |
| FORSITE BENEFIT PARTNERS3 | 2300 RIVERSIDE DRIVE GREEN BAY, WI 54301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$200 | $0 | -$200 | -0.21% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 349 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 133 | $101K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Prescription drug | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 349 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.