| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | SYMETRA LIFE INSURANCE COMPANY | — | $25K | $25K | 3.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $25K | $4K | $29K | 7.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $3K | $23K | 7.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORP EIN 36-1236610 NONE | Other services; Direct payment from the plan; Other fees; Contract Administrator; Claims processing Service code 12 | — | $1.0M |
| COORDINATED CARE PROGRAMS LLC EIN 20-8423895 NONE | Other fees; Other services; Participant communication; Direct payment from the plan Service code 38 | — | $620K |
| AMERIBEN / IEC GROUP EIN 82-0497661 NONE | Participant communication; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $490K |
| ZELIS NETWORK SOLUTIONS, LLC EIN 58-2167964 NONE | Other services; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $120K |
| EHEALTH SCREENINGS, LLC EIN 26-2387917 NONE | Direct payment from the plan; Other services; Other fees; Participant communication Service code 38 | — | $106K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Direct payment from the plan; Other services; Claims processing; Other fees; Contract Administrator Service code 12 | — | $94K |
| TELADOC HEALTH, INC. EIN 04-3705970 NONE | Direct payment from the plan; Other services; Other fees; Participant communication Service code 38 | — | $89K |
| ALLOSTATIX, LLC EIN 46-2092371 NONE | Other fees; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services Service code 15 | — | $82K |
| OCCUVAX, LLC EIN 81-0550703 NONE | Other services; Other fees; Direct payment from the plan Service code 49 | — | $57K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | — | $53K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Other fees; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| CAREMARK, LLC EIN 95-3382344 NONE | Claims processing; Direct payment from the plan; Participant communication; Other services; Other fees Service code 12 | — | $18K |
| HEALTH EQUITY, INC. EIN 52-2383166 NONE | Other fees; Other services; Direct payment from the plan; Claims processing Service code 12 | — | $9K |
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 | 3,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,270 | $224K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,780 | $384K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,780 | $305K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,822 | $900K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,780 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,822 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.