| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $121K | $50K | $171K | 17.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $0 | $56K | 7.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $91K | $0 | $91K | 14.87% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 2.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH, INC | PO BOX 6705 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 2.79% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.26% |
| 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 | 12.51% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON INSURANCE BROKERS, LLC | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 8.77% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD APARTMENT C TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $111 | $0 | $111 | 0.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $810 | $0 | $810 | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $277 | $0 | $277 | 5.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $1.2M |
| BSA, INC. DBA GSA NATIONAL EIN 33-0449333 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $351K |
| PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 NONE | Contract Administrator Service code 13 | — | $62K |
| OPTUM BANK EIN 47-0858534 NONE | Claims processing Service code 12 | — | $18K |
| WEX, INC EIN 06-1593514 NONE | Claims processing Service code 12 | — | $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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 974 | 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 | $183K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 858 | $931K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 780 | $143K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 968 | $622K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 968 | $614K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 968 | $622K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $21K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 891 | $1.0M |
| Other(6 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 968 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.