| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $165K | $4K | $169K | 2.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN, INC. | $59K | $0 | $59K | 5.00% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $47K | $4K | $51K | 13.05% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.31% |
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 | 770 | 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) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,039 | $6.9M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,039 | $5.7M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,039 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 831 | $505K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 831 | $505K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 831 | $505K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 141 | $1.2M |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,039 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.