| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 5.00% |
| CORESOURCE, INC.3 | 26-28 W KING STREET LANCASTER, PA 17603 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 1.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $6K | $22K | 13.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 13.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 5.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 ADMINISTRATOR | Other services; Claims processing; Plan Administrator Service code 12 | — | $293K |
| AETNA EIN 06-6033492 ADMINISTRATOR | Other services; Claims processing Service code 12 | — | $157K |
| TRIA HEALTH EIN 27-1515235 ADMINISTRATOR | Claims processing Service code 12 | — | $63K |
| TRIA HEALTH LLC EIN 04-3307063 ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $63K |
| RENALOGIC EIN 22-3857341 ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $21K |
| MULTIPLAN, INC. EIN 13-3068979 ADMINISTRATOR | Claims processing; Plan Administrator; Other services Service code 12 | — | $17K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
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 | 964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 594 | $162K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 964 | $332K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $66K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 745 | $707K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 964 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.