| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $377K | $293K | $670K | 5.31% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.03% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $50K | $50K | 0.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $649K | $261 | $649K | 16.77% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC | 2 CENTRAL AVENUE, SUITE 201 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | $162K | $0 | $162K | 4.19% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100K | $100K | 2.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33K | $33K | 0.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $69K | $69K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | $0 | $57K | 1.51% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $52K | $52K | 1.39% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE, SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $35K | $35K | 0.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 0.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $46K | $0 | $46K | 11.52% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC | 2 CENTRAL AVENUE, SUITE 201 MADISON, NJ 07940 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $0 | $5K | 1.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $4K | $4K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $12 | $12 | 0.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $8K | $0 | $8K | 3.58% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20009 | EXPRESS SCRIPTS, INC. | $0 | $5K | $5K | 2.10% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20009 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.44% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 11.76% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20009 | UNITED AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 5.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $15K | $0 | $15K | 10.23% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC | 2 CENTRAL AVENUE, SUITE 201 MADISON, NJ 07940 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 1.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
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 | 15,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 488 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 778 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 2,099 | $18.0M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF VIRGINIA | 29,948 | $11.7M |
| Vision | VISION SERVICE PLAN | 12,312 | $1.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,320 | $12.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,387 | $3.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,387 | $3.8M |
| Prescription drug(4 contracts, 4 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 316 | $965K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,189 | $17.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,948 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.