| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $64K | $8K | $71K | 7.41% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52K | $5K | $56K | 16.07% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.07% |
| 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 | $2K | $0 | $2K | 11.21% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $383 | $0 | $383 | 2.26% |
| MOORE SUCCESS INC4 Filed as: MOORE SUCCESS, INC. | 56 LAKEVIEW DRIVE DURANT, OK 74701 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $47 | $0 | $47 | 0.28% |
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 | 1,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,083 | $457K |
| Vision | VISION SERVICE PLAN | 976 | $232K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,083 | $963K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,083 | $963K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,083 | $963K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,083 | $457K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,083 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.