| 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 | — | $61K | $61K | 4.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $33K | $18K | $51K | 11.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $25K | $14K | $39K | 11.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORP EIN 36-1236610 NONE | Direct payment from the plan; Other fees; Contract Administrator; Claims processing; Other services Service code 12 | — | $1.1M |
| QUANTUM HEALTH, INC. EIN 20-8423895 NONE | Other services; Other fees; Participant communication; Direct payment from the plan Service code 38 | — | $640K |
| AMERIBEN / IEC GROUP EIN 82-0497661 NONE | Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Direct payment from the plan; Other services Service code 12 | — | $526K |
| ZELIS NETWORK SOLUTIONS, LLC EIN 58-2167964 NONE | Other fees; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $143K |
| TELADOC HEALTH, INC. EIN 04-3705970 NONE | Participant communication; Direct payment from the plan; Other services; Other fees Service code 38 | — | $124K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing; Direct payment from the plan; Contract Administrator; Other services; Other fees Service code 12 | — | $100K |
| ALLOSTATIX, LLC EIN 46-2092371 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Participant communication; Direct payment from the plan; Other services Service code 15 | — | $83K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Consulting (general); Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other fees Service code 15 | — | $79K |
| MED-LAB, LLC DBA PICMED WELLNESS EIN 26-3126651 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $59K |
| EHEALTHSCREENINGS, LLC EIN 26-2387917 NONE | Participant communication; Other fees; Other services; Direct payment from the plan Service code 38 | — | $54K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Other fees; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| WOLCOTT & ASSOCIATES, INC. EIN 35-3560082 NONE | Accounting (including auditing); Direct payment from the plan; Other fees Service code 10 | — | $20K |
| CAREMARK, LLC EIN 95-3382344 NONE | Other services; Direct payment from the plan; Claims processing; Other fees; Participant communication Service code 12 | — | $19K |
| HEALTH EQUITY, INC. EIN 52-2383166 NONE | Direct payment from the plan; Other fees; Claims processing; Other services Service code 12 | — | $8K |
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 | 3,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,168 | $209K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,193 | $454K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,191 | $346K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,838 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,168 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.