| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 671284 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN, INC. | $57K | — | $57K | 4.56% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 0.33% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | — | $23K | 4.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AETNA INSURANCE COMPANY | $51K | — | $51K | 12.39% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N. CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | AETNA INSURANCE COMPANY | -$80K | — | -$80K | -19.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICES PLAN | $12K | — | $12K | 5.39% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | VISION SERVICES PLAN | $4K | — | $4K | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.62% |
| IPS ADVISORS3 Filed as: IPS ADVISORS, INC. | 10000 N. CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | AETNA LIFE INSURANCE COMPANY | -$11K | — | -$11K | -20.34% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA INSURANCE COMPANY | — | $1.2M | $1.2M | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.2M |
| LOCKTON COMPANIES LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | $126K |
| IPS ADVISORS, INC. CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 10000 N CENTRAL EXPWY SUITE 1100 DALLAS, TX 75231 | -$59K |
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 | 1,984 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,148 | $1.7M |
| Vision | VISION SERVICES PLAN | 1,998 | $227K |
| Life insurance | AETNA INSURANCE COMPANY | 1,984 | $408K |
| Other | AETNA LIFE INSURANCE COMPANY | 1,317 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,148 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.