| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $21K | $54K | 5.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF ARIZONA | $8K | $0 | $8K | 1.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF ARIZONA | -$4K | $0 | -$4K | -0.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $8K | $29K | 18.87% |
| APTIA INSURANCE SERVICES GROUP, LLC3 Filed as: APTIA INSURANCE SERVICES GROUP LLC | 90 CHURCH STREET STATION NEW YORK, NY 10008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 10.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $258 | $0 | $258 | 0.57% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,258 | $7.6M |
| Dental | DELTA DENTAL OF ARIZONA | 1,306 | $466K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,126 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $917K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $917K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $917K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,258 | $7.6M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.