Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Lockton Specialties LLC LTDOther | LTDOther | Pro |
Broker: Lockton Companies LLC Stop-loss | Stop-loss | Pro |
Broker: Lockton Companies LLC Vision | Vision | Pro |
Broker: Lockton Companies LLC Other | Other | Pro |
See premium, retention and renewal dates for 9 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Life Insurance Company of North America | Pro |
Carrier: Sun Life Assurance Company of Canada | Pro |
Carrier: Sun Life Assurance Company of Canada | Pro |
Carrier: Vision Service Plan | Pro |
Carrier: Vision Service Plan | Pro |
Carrier: Unum Insurance Company | Pro |
Carrier: Unum Insurance Company | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD WV EIN 55-0624615 | Direct payment from the plan; Claims processing Service code 12 | — | $4.1M |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 | Claims processing; Direct payment from the plan Service code 12 | — | $430K |
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 | Claims processing; Direct payment from the plan Service code 12 | — | $183K |
| NAVIA BENEFITS EIN 91-1467758 | Direct payment from the plan; Claims processing Service code 12 | — | $170K |
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 | 11,878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,671 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 8,421 | $2.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,447 | $4.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,602 | $2.8M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,905 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,447 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.