| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $58K | $58K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $35K | $15K | $50K | 9.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $26K | $11K | $37K | 9.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORP EIN 36-1236610 NONE | Other fees; Claims processing; Contract Administrator; Other services; Direct payment from the plan Service code 12 | — | $1.2M |
| QUANTUM HEALTH, INC. EIN 20-8423895 NONE | Participant communication; Other fees; Other services; Direct payment from the plan Service code 38 | — | $701K |
| AMERIBEN / IEC GROUP EIN 82-0497661 NONE | Contract Administrator; Participant communication; Direct payment from the plan; Other services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $583K |
| ZELIS NETWORK SOLUTIONS, LLC EIN 58-2167964 NONE | Other services; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $181K |
| TELADOC HEALTH, INC. EIN 04-3705970 NONE | Participant communication; Other fees; Direct payment from the plan; Other services Service code 38 | — | $134K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing; Contract Administrator; Other fees; Direct payment from the plan; Other services Service code 12 | — | $110K |
| ALLOSTATIX, LLC EIN 46-2092371 NONE | Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Other services Service code 15 | — | $84K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Other fees Service code 15 | — | $79K |
| MED-LAB, LLC DBA PICMED WELLNESS EIN 26-3126651 NONE | Direct payment from the plan; Other services; Other fees Service code 49 | — | $62K |
| EHEALTH SCREENINGS, LLC EIN 26-2387917 NONE | Direct payment from the plan; Participant communication; Other services; Other fees Service code 38 | — | $32K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Other fees; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $31K |
| CAREMARK, LLC EIN 95-3382344 NONE | Claims processing; Direct payment from the plan; Participant communication; Other services; Other fees Service code 12 | — | $22K |
| HEALTH EQUITY, INC. EIN 52-2383166 NONE | Other fees; Other services; Claims processing; Direct payment from the plan 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 | 3,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,606 | $251K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,078 | $521K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,981 | $383K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,143 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,606 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.