| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 54307 | ALL SAVERS INSURANCE COMPANY | — | $160K | $160K | 36.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $14K | — | $14K | 3.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $6K | $408 | $6K | 3.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $9K | $2K | $11K | 6.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VERATRUS BENEFIT SOLUTIONS | $4K | $6K | $10K | 23.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 16.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF COLORADO, LLC | 4582 S ULSTER STREET, SUITE 600 DENVER, CO 80237 | VISION SERVICE PLAN | $565 | — | $565 | 8.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $271 | — | $271 | 3.89% |
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 54307 | ALL SAVERS INSURANCE COMPANY | — | $85K | $85K | 1413.67% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $28K | — | $28K | 462.05% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 21 | $199K |
| Dental | DELTA DENTAL OF IOWA | 425 | $167K |
| Vision(2 contracts, 2 carriers) | VERATRUS BENEFIT SOLUTIONS | 370 | $52K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 105 | $42K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 21 | $199K |
| Stop-loss / reinsurancereinsurance(2 contracts) | ALL SAVERS INSURANCE COMPANY | 195 | $441K |
| Other | STANDARD INSURANCE COMPANY | 148 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.