| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $364K | $364K | 1.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $190 | $190 | 0.00% |
| BRUCE A. SAMMIS3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $321K | $0 | $321K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HYATT LEGAL PLANS, INC. | $52K | $6K | $58K | 12.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 FIFTH AVENUE SAN DIEGO, CA 92101 | HYATT LEGAL PLANS, INC. | $0 | $1K | $1K | 0.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | HYATT LEGAL PLANS, INC. | $0 | $718 | $718 | 0.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 100 WALNUT CREEK, CA 94596 | HYATT LEGAL PLANS, INC. | $0 | $71 | $71 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REED GROUP MANAGEMENT LLC EIN 13-5123390 ADMINISTRATION | Contract Administrator Service code 13 | — | $694K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARIAL | Actuarial Service code 11 | — | $556K |
| LIVE HEALTHY AMERICA EIN 42-1278326 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $302K |
| NATURALLY SLIM EIN 47-0855698 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $231K |
| JOHNSON & JOHNSON HEALTH & WELLNESS CLAIMS | Direct payment from the plan; Claims processing Service code 12 | 130 SOUTH 1ST STREET ANN ARBOR, MI 48104 | $194K |
| RSW EIN 75-2448056 COMMUNICATIONS | Other services; Direct payment from the plan Service code 49 | — | $92K |
| NEWPORT TRUST COMPANY EIN 26-4691954 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $55K |
| JELLYVISION EIN 36-4442819 OTHER SERVICES | Direct payment from the plan; Other services Service code 49 | — | $55K |
| BKD, LLP EIN 44-0160260 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Direct payment from the plan; Copying and duplicating Service code 36 | — | $29K |
| THE ODEE COMPANY EIN 75-1302835 OTHER SERVICES | Other services; Direct payment from the plan Service code 49 | — | $20K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| SEGAL CONSULTING EIN 13-1835864 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $16K |
| TRUVEN HEALTH EIN 06-1467923 INFO MANAGEMENT | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| INTEG EIN 20-2054559 OTHER SERVICES | Other services; Direct payment from the plan Service code 49 | — | $8K |
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 | 23,628 | 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) | 23,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 59,891 | $19.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 55,525 | $3.2M |
| Other | HYATT LEGAL PLANS, INC. | 4,353 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,891 | — |
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.