| 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 | $253K | — | $253K | 10.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $8K | $8K | 0.31% |
| MCGRIFF INSURANCE SERVICES INC3 | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $206K | — | $206K | 12.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | SUN LIFE ASSURANCE COMPANY OF CANADA | $126K | — | $126K | 7.45% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $783 | $783 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.98% |
| 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 | — | $106K |
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 | 2,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,307 | $2.5M |
| Vision | VISION SERVICE PLAN | 2,319 | $428K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,300 | $1.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,300 | $1.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,300 | $1.7M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,307 | $2.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,300 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,307 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.