| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $210K | $230K | 2.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$13 | -$13 | -0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 5.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 7.23% |
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 | 882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,220 | $8.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,220 | $8.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 991 | $51K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 882 | $555K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 882 | $555K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 882 | $555K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,220 | $8.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 882 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,220 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.