| 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 | $269K | $0 | $269K | 14.71% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $139K | — | $139K | 19.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | $2K | $51K | 7.30% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK 3RD FLOOR FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 20006 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 14.61% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.35% |
| 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 | 9.05% |
| LOCKTON COMPANIES, LLC4 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 5.13% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD APARTMENT C TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $267 | $0 | $267 | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK 3RD FL FARMINGTON, CT 06032 | CHLIC ON BEHALF OF METLIFE | $2K | — | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK 3RD FL FARMINGTON, CT 06032 | CHLIC FOR THE BENEFIT OF LINA | $93 | — | $93 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $949K |
| BSA INC DBA GSA NATIONAL EIN 11-3335620 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $288K |
| PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 NONE | Contract Administrator Service code 13 | — | $84K |
| OPTUM BANK EIN 47-0858534 NONE | Claims processing Service code 12 | — | $17K |
| WEX INC EIN 06-1593514 NONE | Claims processing Service code 12 | — | $17K |
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 | 943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 951 | 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 | 21 | $241K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 878 | $936K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 765 | $156K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 943 | $739K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 943 | $719K |
| Long-term disability(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 943 | $739K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $7K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,477 | $1.8M |
| Other(6 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 943 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,477 | — |
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.