| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $85K | — | $85K | 1.31% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE SUITE 700 DENVER, CO 80237 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $58K | — | $58K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVENUE SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $95 | $7K | 2.23% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, DENVER CO | PO BOX 173850 DENVER, CO 80217 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
No Schedule C service providers reported on this filing.
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 | 1,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,077 | $6.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,488 | $296K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,250 | $78K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,077 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,488 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.