| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | KAISER FOUNDATION HEALTH PLAN, INC. | $41K | $0 | $41K | 4.18% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 1.39% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | UNITED CONCORDIA INSURANCE COMPANY | $26K | $0 | $26K | 6.76% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASOCIATES, INC. | 8220 DELMAR BOULEVARD, SUITE 200 ST LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 20.41% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $258 | $7K | 9.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 85265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $329 | $329 | 0.46% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL VISION ADMINISTRATORS, LLC | $6K | $0 | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $3K | $176 | $3K | 13.82% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $182 | $182 | 0.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, TX 64112 | METLIFE LEGAL PLANS | $0 | $22 | $22 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $0 | $19 | $19 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.01% |
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 | 1,992 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 218 | $974K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,456 | $388K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,218 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $471K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $471K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $471K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 218 | $974K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,443 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.