| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | — | $84K | 4.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | 75 WEST TOWNE RIDGE PARKWAY, TOWER 2 SUITE 400 SANDY, UT 84070 | SELECTHEALTH | $10K | $2K | $12K | 5.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SELECTHEALTH | $5K | — | $5K | 2.05% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $7K | — | $7K | 3.53% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $2K | — | $2K | 1.02% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 147TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 1.19% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.94% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 8.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.60% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $684 | — | $684 | 1.90% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.49% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $410 | — | $410 | 3.51% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $360 | — | $360 | 3.60% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | FIRST RELIANCESTANDARD LIFE INSURANCE COMPANY | $859 | — | $859 | 9.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST RELIANCESTANDARD LIFE INSURANCE COMPANY | $189 | — | $189 | 1.98% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $333 | — | $333 | 3.57% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $471 | — | $471 | 9.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $97 | — | $97 | 1.88% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 8.70% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $82 | — | $82 | 2.29% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $174 | — | $174 | 8.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $39 | — | $39 | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX HEALTH INC. EIN 06-1593514 ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $2.0M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 247 | $58K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 246 | $49K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 246 | $42K |
| Other(7 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 247 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.