| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PREMERA BLUE CROSS | $146K | $0 | $146K | 1.64% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVENUE, NE, SUITE 110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $36K | $10K | $46K | 5.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $15K | $27K | $43K | 4.92% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | SYMETRA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 2.23% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $35K | $0 | $35K | 44.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $449 | $0 | $449 | 20.00% |
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 | 713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 1,127 | $8.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 1,325 | $589K |
| Vision | VISION SERVICE PLAN | 573 | $79K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,078 | $870K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,078 | $870K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,078 | $870K |
| Prescription drug | PREMERA BLUE CROSS | 1,127 | $8.9M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,078 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,325 | — |
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.