| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $72K | $0 | $72K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $24 | $0 | $24 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | DELTA DENTAL OF WISCONSIN | $7K | $0 | $7K | 3.48% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 10.02% |
| NOAH OROPEZA3 Filed as: NOAH G. OROPEZA | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $992 | $0 | $992 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $383 | $383 | 0.21% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $7K | $1K | $9K | 15.88% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 6.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $154 | $154 | 0.29% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 8.04% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 342 | $3.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 259 | $197K |
| Vision | WYSSTA INSURANCE COMPANY INC | 246 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $180K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $180K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $180K |
| Prescription drug | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 342 | $3.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.