| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES,LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | OPTUMHEALTH FINANCIAL SERVICES | $12K | — | $12K | — |
| CUSTOM BENEFIT PROGRAMS INC Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | — |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $598 | $0 | $598 | — |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES,LLC | KANSAS CITY SERIES C/O COMMERCE BANK, P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $312 | $79 | $391 | — |
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN | P.O. BOX 640 EAST GREENBUSH, NY 12061 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $197 | $0 | $197 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH (ASH) VENDOR | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $0 |
| CARECORE D/B/A ENVICORE VENDOR | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $0 |
| CASTLIGHT HEALTH VENDOR | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
| MEDSOLUTIONS EIN 20-5953092 VENDOR | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $0 |
| MEDSOULTIONS EIN 62-1615395 VENDOR | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
| SAGAMORE NETWORK HOSPITAL EIN 35-1720796 VENDOR | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | P.O. BOX 1149 BLOOMINGTON IN, IN 47402 | $0 |
| STRATOSE VENDOR | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
| VISION SERVICE PLAN (VSP) VENDOR | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 311 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH & LIFE INSURANCE CO (CIGNA) | 582 | $32K |
| Long-term disability | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 534 | $0 |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH FINANCIAL SERVICES | 311 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.