| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $803K | $803K | 14.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $102K | $9K | $111K | 2.03% |
| WEX HEALTH, INC.5 | 82 HOPMEADOW STREET, SUITE 220 WEATOGUE, CT 06089 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $70K | $70K | 1.28% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | DELTA DENTAL INSURANCE COMPANY | $283K | $0 | $283K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN, INC. | $40K | $0 | $40K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 0.20% |
| LOCKTON COMPANIES, LLC3 | 1000 WALNUT STREET KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE | $72K | $0 | $72K | 3.79% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | FIDELITY SECURITY LIFE | $23K | $0 | $23K | 1.21% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310K | $0 | $310K | 28.91% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $40K | $0 | $40K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | $0 | $2K | 2.33% |
| LOCKTON COMPANIES, LLC3 | 1000 WALNUT STREET KANSAS CITY, MO 64141 | CRUM AND FORESTER | $1K | $0 | $1K | 3.78% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | CRUM AND FORESTER | $458 | $0 | $458 | 1.21% |
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 | 4,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 206 | $2.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 8,046 | $2.8M |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 5,492 | $396K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,411 | $5.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,411 | $5.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,411 | $5.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,411 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,046 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.