| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE C100 WEST HARTFORD, CT 06107 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | $0 | $90K | 4.71% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 1.33% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.79% |
| PROFESSIONAL GROUP PLAN, INC3 Filed as: PROFESSIONAL GROUP PLAN, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.39% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE SUITE 1630 BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | $0 | $7K | 2.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | $0 | $1K | 0.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 3.99% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.9M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.9M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.9M |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $2.3M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.