| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $50K | $50K | 3.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 4.16% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | KAISER FOUNDATION HEALTH PLAN, INC. | $981 | $0 | $981 | 0.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $1K | $9K | 9.03% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 16.89% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $6K | $143 | $6K | 32.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 8337 WEST SUNSET ROAD, SUITE 150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $5 | $0 | $5 | 0.03% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.45% |
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 | 145 | 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) | 151 | 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 | 202 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $98K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 271 | $20K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 149 | $64K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 149 | $64K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 149 | $64K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $1.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 149 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.