| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $1.5M | $350 | $1.5M | 4.80% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | PO BOX 860470 MINNEAPOLIS, MN 55486 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $567K | $567K | 1.86% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $262K | $262K | 0.86% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 0.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.01% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVENUE SUITE 140 PEMBROKE PINES, FL 33027 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $0 | $71K | $71K | 0.61% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 1.51% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $44K | $44K | 1.50% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE, SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $29K | $29K | 1.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.69% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $66K | $0 | $66K | 9.94% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 07940 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $0 | $7K | 0.98% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $4K | $4K | 0.61% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $515 | $515 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $44 | $44 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $11K | — | $11K | 4.48% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | — |
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 | 16,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 2,096 | $21.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27,678 | $31.2M |
| Vision | VISION SERVICE PLAN | 11,924 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 27,678 | $30.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,637 | $2.9M |
| Prescription drug(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 501 | $988K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27,678 | $31.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,678 | — |
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.