| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $2K | $51K | 15.29% |
| THE CREEL GROUP INC3 Filed as: THE CREEL GROUP, INC. | WOODMEN TOWER OMAHA, NE 68102 | EYEMED VISION CARE | $16K | — | $16K | 10.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | $79K |
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 | Claims processing Service code 12 | 2421 W. PEORIA AVENUE, SUITE 200 PHOENIX, AZ 850294940 | $26K |
| LD&B BENEFITS ADMINISTRATORS EIN 54-0784757 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 205-C SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | $20K |
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 | 3,307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 3,307 | $79K |
| Vision | EYEMED VISION CARE | 2,470 | $148K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,053 | $768K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,053 | $768K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,053 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,307 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.