| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $32K | $32K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S CHOICE HEALTHPLANS, LLC EIN 20-0296224 NONE | Contract Administrator Service code 13 | 13111 NORTHWEST FREEWAY, STE. 510 HOUSTON, TX 77040 | $454K |
| PHCS EIN 04-3138814 NONE | Other services Service code 49 | 1100 WINTER STREET WALTHAM, MA 02451 | $90K |
| CHAR LEE CORPORATION EIN 86-0799129 NONE | Other services Service code 49 | 193 INTERSTATE 45 SOUTH, STE D601 HUNTSVILLE, TX 77340 | $71K |
| FIRST HEALTH NETWORK EIN 20-1736437 NONE | Other services Service code 49 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $27K |
| KCOE ISOM, LLP EIN 48-0567703 NONE | Accounting (including auditing) Service code 10 | 6125 SKY POND DR., STE 200 LOVELAND, CO 805389374 | $15K |
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 | 1,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,754 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.