| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $42K | $42K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $26K | $684 | $27K | 20.52% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS, LLC | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 19.93% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INS. SERVICES, LLC | 20 COMMERCE WAY, SUITE 800 WOBURN, MA 01801 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $27 | $3K | 10.23% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INS. SERVICES, LLC | 200 SEAPORT BOULEVARD, V2B BOSTON, MA 02210 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $354 | $354 | 1.20% |
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 | 1,654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 82 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $451K |
| Vision | VISION SERVICE PLAN | 1,030 | $253K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,654 | $843K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,654 | $843K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,654 | $933K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $451K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,654 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,654 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.