| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST. SUITE 900 KANSAS CITY, MO 64112 | AETNA HEALTH, INC. | $98K | — | $98K | 4.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST. SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $33K | $4K | $37K | 5.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4275 EXECUTIVE DRIVE SUITE 600 LA JOLLA, CA 92037 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $62 | $8K | 7.37% |
| IMA, INC.3 | 430 E. DOUGLAS AVE. SUITE 400 WICHITA, KS 67202 | UNITED CONCORDIA INSURANCE COMPANY | $754 | — | $754 | 0.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 911853940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 11.24% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CT 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $322 | — | $322 | 0.33% |
| IMA, INC.3 | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $204 | $204 | 0.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT LA 23940 PASADENA, CA 911853940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $441 | $4K | 16.87% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 1.26% |
| IMA, INC.3 | 1705 17TH ST. SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $95 | $1K | 10.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4275 EXECUTIVE DRIVE SUITE 600 LA JOLLA, CA 92037 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $871 | — | $871 | 7.32% |
| IMA, INC.3 | 430 E. DOUGLAS AVE. SUITE 400 WICHITA, KS 67202 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $78 | — | $78 | 0.66% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 192 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 183 | $125K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 262 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $122K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $98K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 192 | $2.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.