| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171K | $44K | $215K | 13.65% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | HARTFORD LIFE AND ACCIDENT | $63K | $0 | $63K | 15.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $42K | $0 | $42K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 0.92% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN AND ASSOCIATES LLC | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.38% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. | $2K | $0 | $2K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | COMBINED INSURANCE | $627 | $0 | $627 | 23.51% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | COMBINED INSURANCE | $149 | $0 | $149 | 5.59% |
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 | 1,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 56 | $415K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $87K |
| Vision | VISION SERVICE PLAN | 1,153 | $167K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,123 | $1.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,123 | $1.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,123 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 56 | $328K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,123 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,123 | — |
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.