| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 200 1801 K STREET NQ WASHINGTON, DC 20006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 5.31% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $186 | $186 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN REGION MA | $0 | $1K | $1K | 0.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AV STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.57% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, WA 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PE BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 16.78% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.19% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $856 | $856 | 0.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.76% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.58% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $389 | $389 | 0.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.30% |
| RED GATE GROUP LLC0 | 2 CENTRAL AV STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.63% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $929 | $929 | 2.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $308 | $308 | 0.85% |
| REDGATE GROUP 23 | CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $0 | $1K | 10.76% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE SUITE 201 MADISON, NJ 07940 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $123 | $0 | $123 | 1.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $104 | $104 | 0.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST S | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $97 | $0 | $97 | 0.84% |
| LOCKTON COMPANIES, LLC0 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $268 | $0 | $268 | 4.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $442 | $0 | $442 | 10.24% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE SUITE 201 MADISON, NJ 07940 | METROPOLITAN GENERAL INSURANCE COMPANY | $44 | $0 | $44 | 1.02% |
| LOCKTON COMPANIES, LLC0 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $468 | $0 | $468 | 20.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL EIN 11-3335620 THIRD PARTY ADMINISTRATO | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $509K |
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 16-1486454 CLAIM PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $331K |
| AMERIBEN EIN 11-3335620 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $238K |
| CITRON COPPERMAN EIN 22-2428965 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | — | $18K |
| ZELIS NETWORK EIN 58-2167964 NONE | Claims processing Service code 12 | — | $14K |
| PBMARES EIN 54-0737372 NONE | Accounting (including auditing) Service code 10 | — | $8K |
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 | 2,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN REGION MA | 47 | $229K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,086 | $405K |
| Vision | VISION SERVICE PLAN | 950 | $142K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,771 | $735K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,846 | $27K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $155K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 996 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,846 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.