| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY | 5 COWBOYS WAY, SUITE 300I FRISCO, TX 75034 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $596K | $11K | $607K | 10.18% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255K | $0 | $255K | 4.28% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PKWY 150 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $240K | $0 | $240K | 4.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $174K | $174K | 2.92% |
| TELUS HEALTH3 | PO BOX 95000 PHILADELPHIA, PA 19195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $141K | $141K | 2.36% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $125K | $125K | 2.10% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 1000 ATLANTA, GA 30305 | AMERITAS LIFE INSURANCE CORPORATION | $236K | $0 | $236K | 6.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $61K | $61K | 1.73% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY | 5 COWBOYS WAY, SUITE 300I FRISCO, TX 75034 | COMBINED INSURANCE | $149K | $0 | $149K | 23.49% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 1000 ATLANTA, GA 30305 | COMBINED INSURANCE | $76K | $0 | $76K | 12.02% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE, LLC | 5775 GLENRIDGE DRIVE, SUITE E500 ATLANTA, GA 30328 | COMBINED INSURANCE | $29K | $0 | $29K | 4.55% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $26K | $0 | $26K | 4.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $150 | $0 | $150 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD SUITE 250 ATLANTA, GA 30305 | COMPANION LIFE INSURANCE | $5K | $0 | $5K | 9.36% |
| MITCH BESVINICK3 Filed as: MITCH BESVINICK, INNOBENEFITS LLC | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | COMPANION LIFE INSURANCE | $3K | — | $3K | 4.67% |
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 | 9,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 129 | $613K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 11,921 | $3.5M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 11,921 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,558 | $6.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,558 | $6.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,558 | $6.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 71 | $555K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,558 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,921 | — |
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.
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.