| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEX HEALTH, INC.5 Filed as: WEX HEALTH, INC | 82 HOPMEADOW ST STE 220 WEATOGUE, CT 06089 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $873K | $873K | 14.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $106K | $21K | $127K | 2.17% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | DELTA DENTAL INSURANCE COMPANY | $317K | — | $317K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN, INC. | $53K | $0 | $53K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN, INC. | -$4K | $0 | -$4K | -0.19% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH STEET SUITE 140A PEMBROKE PINES, FL 33027 | FIDELITY SECURITY LIFE | $73K | $46K | $119K | 8.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307K | — | $307K | 32.71% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY STE 150 BIRMINGHAM, AL 35243 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $42K | $0 | $42K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET STE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | $0 | $1K | 2.39% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH STEET SUITE 140A PEMBROKE PINES, FL 33027 | CRUM AND FORESTER | $1K | $0 | $1K | 5.00% |
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 | 4,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 204 | $2.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 8,902 | $3.2M |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 3,775 | $417K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,663 | $5.8M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,663 | $5.8M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,663 | $5.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,663 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,902 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.