| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $247K | $9K | $257K | 25.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $8K | $49K | 9.72% |
| BRANDAN BRUCE3 | PO BOX 43 INDIANOLA, IA 50125 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.88% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| PRODUCERHUB LLC3 | 1555 EAST ORANGEWOOD AVENUE, SUITE 4 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| THE LOOMIS COMPANY3 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 13.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN, INC. | $474 | — | $474 | 2.68% |
| THE LOOMIS COMPANY3 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | UNITED STATES FIRE INSURANCE COMPANY | — | $7K | $7K | 180.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED STATES FIRE INSURANCE COMPANY | — | $6K | $6K | 150.74% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 679 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $602K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 602 | $602K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $509K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $509K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $509K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 637 | $4K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.