| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $224K | $402K | $626K | 1.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON-DUNNING SERIES OF LOCKTON | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $131K | — | $131K | 4.99% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE. 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 0.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $4 | — | $4 | 13.33% |
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 | 2,674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,413 | $49.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 6,413 | $47.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,413 | $47.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,588 | $2.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,565 | $2.1M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 294 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,141 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,413 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.