| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671284 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 2.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $14K | $0 | $14K | 7.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 25.07% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.17% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | 6525 GUNPARK DRIVE SUITE 370-152 BOULDER, CO 80301 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $5K | $0 | $5K | 13.74% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $904 | $0 | $904 | 2.31% |
| MST INC.4 | 14455 COUNTY ROAD 3500 ADA, OK 74820 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $81 | $0 | $81 | 0.21% |
| JESSE RAMOS4 | 7331 SHELBY LANE, SUITE 26 RANCHO CUCAMONGA, CA 91739 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.07% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 84 | $466K |
| Vision | VISION SERVICE PLAN | 804 | $201K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $551K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $551K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $551K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 84 | $466K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $765K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.