| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K ST NW STE 200 WASHINGTON, DC 20006 | UNITED HEALTHCARE INSURANCE COMPANY | $157K | $0 | $157K | 11.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $0 | $41K | 5.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 752650823 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 022417484 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $92K | $0 | $92K | 14.92% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.36% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.70% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 9.76% |
| LOCKTON COMPANIES, LLC4 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 7.47% |
| MARY THERESA FISHER4 | 29 OWENS LANDING COURT APARTMENT C PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $302 | $0 | $302 | 1.87% |
| LOCKTON COMPANIES, LLC4 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $39 | $0 | $39 | 0.24% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $21 | $0 | $21 | 0.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CHLIC FOR THE BENEFIT OF LINA | $1K | $0 | $1K | 12.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $273 | $0 | $273 | 5.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $980K |
| BSA, INC. DBA GSA NATIONAL EIN 33-0449333 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $364K |
| PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 NONE | Contract Administrator Service code 13 | — | $60K |
| WEX, INC EIN 06-1593514 NONE | Claims processing Service code 12 | — | $36K |
| OPTUM BANK EIN 47-0858534 NONE | Claims processing Service code 12 | — | $19K |
| RSM US LLP EIN 42-0174325 NONE | Accounting (including auditing) Service code 10 | — | $11K |
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 | 880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $142K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 821 | $887K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 594 | $113K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 880 | $626K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 880 | $618K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 880 | $626K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $11K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,583 | $1.3M |
| Other(6 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 880 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,583 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.