| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900A DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93K | — | $93K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 20.00% |
| TOTAL BENEFITS, INC.3 | 8777 N GAINEY CENTER DRIVE, STE 260 SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA STREET, SUITE 5200 LOS ANGELES, CA 90017 | VISION SERVICE PLAN | — | $2K | $2K | 17.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 20.00% |
| TOTAL BENEFITS, INC.3 | 8777 N GAINEY CENTER DRIVE, STE 260 SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 16.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 91.46% |
| TOTAL BENEFITS, INC.3 | 8777 N GAINEY CENTER DRIVE, STE 260 SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 44.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 635 BROADWAY, SUITE 100 SONOMA, CA 95476 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 19.99% |
| TOTAL BENEFITS, INC.3 | 8777 N GAINEY CENTER DRIVE, STE 260 SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | — | $413 | $413 | 6.00% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94101 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | — | $63 | 10.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER, SUITE 1700 LOS ANGELES, CA 90017 | TRANSAMERICA LIFE INSURANCE COMPANY | -$6 | — | -$6 | -1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | -$34 | — | -$34 | -121.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SVCS, LLC EIN 81-4149824 N/A | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $280K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $144K |
| HEALTH CHECK 360 EIN 42-1403200 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $73K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $39K |
| IGOE ADMINISTRATIVE SERVICES EIN 95-3391660 N/A | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $22K |
| PRUDENT RX EIN 84-4560702 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 469 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 595 | $9K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 403 | $1.9M |
| Other(10 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 595 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.