| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 606930159 | PREMERA BLUE CROSS | $137K | — | $137K | 1.72% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH STREET SW, MS320 MOUNTLAKE TERRACE, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $56K | — | $56K | 11.20% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | SYMETRA LIFE INSURANCE COMPANY | — | $33K | $33K | 6.61% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $375 | — | $375 | 20.01% |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 1,254 | $8.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 1,349 | $564K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,863 | $63K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 654 | $496K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 654 | $496K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 654 | $496K |
| Prescription drug | PREMERA BLUE CROSS | 1,254 | $8.0M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 678 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,863 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.