| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HM LIFE INSURANCE COMPANY | $108K | — | $108K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $132K | — | $132K | 13.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $44K | $44K | 4.61% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, NY 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38K | $38K | 4.21% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, NY 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 0.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 4.32% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, NY 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 13.80% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.60% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, NY 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK DELAWARE EIN 51-0020405 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.5M |
| DELTA DENTAL OF DELAWARE EIN 51-0228088 ADMINISTRATOR | Contract Administrator Service code 13 | — | $146K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $129K |
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 | 3,950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 3,335 | $446K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,950 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,120 | $914K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,465 | $2.2M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,700 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,700 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.