| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $153K | — | $153K | 5.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $5K | $46 | $5K | 5.24% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 147TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $4K | — | $4K | 4.96% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $3K | — | $3K | 3.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | $545 | $4K | 5.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SELECTHEALTH | $3K | — | $3K | 4.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | $326 | $4K | 8.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $5K | $383 | $5K | 10.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | $108 | $3K | 20.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | $17 | $1K | 11.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | $94 | $2K | 20.85% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | $87 | $2K | 20.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $641 | $39 | $680 | 12.89% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | PO BOX 360841 PITTSBURGH, PA 15251 | RELIANCESTANDARD LIFE INSURANCE COMPANY | -$61 | — | -$61 | -1.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $247 | $20 | $267 | 10.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RIPPLING ADMINISTRATOR | Contract Administrator Service code 13 | 150 GREENWICH STREET NEW YORK, NY 10007 | $36K |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $3.0M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 246 | $69K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 241 | $66K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 242 | $48K |
| Other(7 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 246 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.