| 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 | — | $29K | $29K | 8.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $9K | — | $9K | 2.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $5K | $216 | $5K | 1.88% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $9K | $1K | $10K | 5.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 15.90% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $737 | — | $737 | 1.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 16.24% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | STANDARD INSURANCE COMPANY | $567 | — | $567 | 1.20% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | STANDARD INSURANCE COMPANY | $119 | — | $119 | 0.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VERATRUS BENEFIT SOLUTIONS | $5K | — | $5K | 10.13% |
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 54307 | ALL SAVERS INSURANCE COMPANY | — | $68K | $68K | 796.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $26K | — | $26K | 302.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $623 | — | $623 | 9.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $334 | $102 | $436 | 19.61% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 16 | $264K |
| Dental | DELTA DENTAL OF IOWA | 501 | $170K |
| Vision(2 contracts, 2 carriers) | VERATRUS BENEFIT SOLUTIONS | 472 | $51K |
| Life insurance(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $141K |
| Short-term disability | STANDARD INSURANCE COMPANY | 140 | $63K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2 | $2K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 16 | $264K |
| Stop-loss / reinsurancereinsurance(2 contracts) | ALL SAVERS INSURANCE COMPANY | 251 | $339K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.