| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $168K | — | $168K | 7.64% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $17K | $17K | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $291K | — | $291K | 17.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $77K | — | $77K | 4.59% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MC GRIFF INSURANCE SERVICES INC | PO BOX 890635 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 1.63% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO. EIN 86-0257201 ADMINISTRATOR | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $2.2M |
| RXBENEFITS, INC. EIN 63-1157085 ADMINISTRATOR | Contract Administrator Service code 13 | — | $101K |
| COMPSYCH CORPORATION EIN 36-3739783 ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
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 | 2,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,213 | $2.2M |
| Vision | VISION SERVICE PLAN | 2,257 | $442K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,964 | $1.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,506 | $1.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,506 | $1.7M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,213 | $2.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,964 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,213 | — |
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.