| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 2.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $95 | $22K | 4.59% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 94112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $95 | $16K | 4.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 94112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.28% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.84% |
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 | 1,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 65 | $742K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $843K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $843K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $843K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $843K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $843K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 65 | $742K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $843K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,387 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.