| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 752012739 | RELIASTAR LIFE INSURANCE COMPANY | — | $82K | $82K | 3.77% |
| AEGIS RISK LLC3 | 218 N LEE ST SET 306 ALEXANDRIA, VA 223142631 | RELIASTAR LIFE INSURANCE COMPANY | $59K | — | $59K | 2.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $141K | $8K | $149K | 9.97% |
| USI INSURANCE SERVICES LLC3 | 222 S. RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $24K | $77K | 5.13% |
| USI INSURANCE SERVICES LLC3 | 222 S. RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 15.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BOULEVARD, SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 13.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $487 | — | $487 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $5K | — | $5K | 1.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 0.60% |
| USI INSURANCE SERVICES LLC3 | 222 S. RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $533 | $3K | 10.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.1M |
| DELTA DENTAL EIN 48-0793267 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $80K |
| MAVEN CLINIC CO. EIN 46-5747423 ADMINISTRATOR | Direct payment from the plan; Other services Service code 49 | — | $38K |
| WEX FSA ADMINISTRATOR | Contract Administrator Service code 13 | 1 HANCOCK STREET PORTLAND, ME 04101 | $33K |
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 | 2,279 | 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) | 2,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,550 | $272K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,279 | $1.5M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,279 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,279 | $1.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,790 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,279 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,279 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.