| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY AVENUE, SUITE 1900 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $167K | $665 | $167K | 3.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.95% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY AVENUE, SUITE 1900 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 8.83% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.07% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $4K | — | $4K | 5.00% |
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 | 709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 687 | $5.5M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $353K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $268K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 709 | $199K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 709 | $199K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 709 | $199K |
| Prescription drug | REGENCE BLUESHIELD | 687 | $5.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 751 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.