| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $115K | $125K | 4.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 4.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $2K | $10K | 8.25% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT STREET, 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $619 | — | $619 | 0.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $6K | — | $6K | 8.17% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $5K | — | $5K | 6.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS | $5K | — | $5K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $3K | — | $3K | 5.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $725 | $6K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $257 | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS INC. EIN 74-2616364 ADMINISTRATOR | Contract Administrator Service code 13 | — | $20K |
| FIRST HEALTH EIN 20-1736437 PPO FEE | Claims processing Service code 12 | — | $9K |
| LOCKTON COMPANIES, LLC EIN 20-3351670 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $250K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 295 | $86K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $49K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $125K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $125K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 337 | $74K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.