| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | HUMANA WISCONSIN HEALTH ORG INS CORP | $32K | $5K | $37K | 2.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 18.15% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 2.25% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 6.01% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORG INS CORP | 152 | $1.7M |
| Dental | HUMANA INSURANCE COMPANY | 143 | $125K |
| Vision | HUMANA INSURANCE COMPANY | 143 | $125K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 561 | $190K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 561 | $190K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 561 | $190K |
| Prescription drug | HUMANA WISCONSIN HEALTH ORG INS CORP | 152 | $1.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 561 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.