| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION STE 700 DENVER, CO 80237 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $229K | — | $229K | 8.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 333 W 47TH ST STE 900 KANSAS CITY, MA 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $8K | $8K | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $550K | — | $550K | 27.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | TRUSTMARK INSURANCE COMPANY | $266K | — | $266K | 13.51% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH (OPTAVISE LLC) | 120 18TH STREET SOUTH BIRMINGHAM, AA 35233 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 0.74% |
| COLE R. RODGERS3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | TRUSTMARK INSURANCE COMPANY | $55 | — | $55 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $290K | — | $290K | 15.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $85K | — | $85K | 4.48% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES3 Filed as: SEDGWICK CLAIMS MGMT SVCS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $52K | $52K | 2.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 ADMINISTRATOR | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $2.2M |
| RX BENEFITS, INC. EIN 63-1157085 ADMINSTRATOR | 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 | 2,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 282 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,265 | $2.9M |
| Vision | VISION SERVICE PLAN | 2,375 | $455K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 2,266 | $3.9M |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 2,266 | $3.9M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,266 | $1.9M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 5,265 | $2.9M |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 2,266 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,265 | — |
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.