| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $36K | $36K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | VISION SERVICE PLAN | $2K | — | $2K | 3.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 17.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER STE 1700 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.74% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94104 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $702 | $702 | 4.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER STE 1700 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 19.84% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94104 | TRANSAMERICA LIFE INSURANCE COMPANY | $319 | — | $319 | 2.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET FL 35 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $179 | $179 | 4.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SERVICES, EIN 68-0306908 | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 80 IRON POINT CIRCLE SUITE 200 FOLSOM, CA 95630 | $248K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 | Other services; Direct payment from the plan Service code 49 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $109K |
| WEST HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 | Contract Administrator; Direct payment from the plan Service code 13 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $15K |
| IGOE ADMINISTRATIVE SERVICES EIN 95-3391660 | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | P O BOX 501480 SAN DIEGO, CA 92150 | $12K |
| HEALTHCHECK 360 | Direct payment from the plan; Contract Administrator Service code 13 | 800 MAIN STREET DUBUQUE, IA 52004 | $6K |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 319 | $69K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $15K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 363 | $726K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 537 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.