| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 Filed as: SAUL R. LOCKER | 1099 18TH STREET, SUITE 3870 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $40K | $0 | $40K | 6.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $39K | $0 | $39K | 6.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $8K | $8K | 1.31% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BNFTS CONSULTING LLC | 1099 18TH STREET, SUITE 2870 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 0.62% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 4.71% |
| RONNIE WAYNE HAMILTON3 | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $0 | $7K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 4.00% |
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 | 826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 77 | $472K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,232 | $121K |
| Life insurance | STANDARD INSURANCE COMPANY | 826 | $619K |
| Short-term disability | STANDARD INSURANCE COMPANY | 826 | $619K |
| Long-term disability | STANDARD INSURANCE COMPANY | 826 | $619K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 77 | $472K |
| Other | STANDARD INSURANCE COMPANY | 826 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.