| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $45K | $45K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 12.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $1K | $18K | 5.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 17.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 ADMINISTRATOR | Plan Administrator; Other services; Claims processing Service code 12 | — | $217K |
| AETNA EIN 06-6033492 HEALTH ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $182K |
| TRIA HEALTH LLC EIN 04-3307063 ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $72K |
| TRIA HEALTH, LLC EIN 27-1515235 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $72K |
| RENALOGIC EIN 22-3857341 ADMINISTRATOR | Other services; Claims processing Service code 12 | — | $48K |
| ACS EIN 36-4129784 ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $22K |
| CLEAR HEALTH STRATEGIES LLC EIN 27-1374374 ADMINISTRATOR | Other services; Plan Administrator; Claims processing Service code 12 | — | $12K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
| CHANGE HEALTHCARE EIN 20-5716594 ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $8K |
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 | 838 | 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) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 525 | $339K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 525 | $339K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,089 | $404K |
| Long-term disability | STANDARD INSURANCE COMPANY | 440 | $69K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,759 | $968K |
| Other | STANDARD INSURANCE COMPANY | 1,089 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,759 | — |
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.