| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $115K | $195K | $310K | 5.39% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.06% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $93K | $118K | $211K | 5.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $169K | $0 | $169K | 9.72% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181K | $0 | $181K | 21.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 505 20TH STREET NORTH, SUITE 940 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.22% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.05% |
| JERRY MANNING3 | 167 NORTH GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.65% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.43% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 NORTH ILLINOIS ROUTE 83 SUITE 110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | ARAG INSURANCE COMPANY | $42K | $0 | $42K | 10.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE, SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 9.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $3K | $17K | 6.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 2.73% |
| JEFFREY JOSEPH JONES3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $0 | $320 | 0.12% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON INSURANCE, INC. | 270 MUNOZ RIVERA AVENUE PH-1 MCVAL BUILDING SAN JUAN, PR 00918 | HUMANA INSURANCE OF PUERTO RICO, INC. | $12K | — | $12K | 4.97% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $468 | $468 | 1.80% |
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 | 19,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,516 | $13.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 6,166 | $1.1M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 23,560 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,642 | $6.6M |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12,753 | $4.4M |
| Prescription drug(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,516 | $13.3M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,677 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,560 | — |
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.