| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN REGION MA | $0 | $4K | $4K | 1.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $6 | $40K | 21.60% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $178 | $6K | 3.16% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST STE 3800 CHICAGO, IL 606113671 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 200 1801 K STREET NQ WASHINGTON, DC 20006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $80K | $0 | $80K | 53.39% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $404 | $404 | 0.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1801 K ST NW #900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AV STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $855 | $855 | 0.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3 | $10K | 21.70% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $44 | $1K | 3.18% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $746 | $746 | 1.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4 | $8K | 21.69% |
| RED GATE GROUP LLC3 | 2 CENTRAL AV STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $37 | $1K | 3.17% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $641 | $641 | 1.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 9.55% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE SUITE 201 MADISON, NJ 07940 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $220 | $220 | 0.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN WEST S | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | $218 | $0 | $218 | 0.93% |
| LOCKTON COMPANIES, LLC0 | 1801 K ST. NW SUITE 200 WASHINGTON, DC 20006 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $341 | $0 | $341 | 5.26% |
| LOCKTON COMPANIES, LLC0 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $512 | $0 | $512 | 19.99% |
| LOCKTON COMPANIES, LLC0 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | — |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$630 | -$630 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLS | 2100 ROSS AVE. STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | -$944 | -$944 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL EIN 11-3335620 THIRD PARTY ADMINISTRATO | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $536K |
| AMERIBEN EIN 11-3335620 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $296K |
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 16-1486454 CLAIM PROCESSING | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $68K |
| PBMARES EIN 54-0737372 NONE | Accounting (including auditing) Service code 10 | — | $61K |
| MCCONNELL JONES EIN 76-0488832 NONE | Accounting (including auditing) Service code 10 | — | $48K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | — | $10K |
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 | 2,489 | 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) | 2,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN REGION MA | 430 | $1.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 2,302 | $823K |
| Vision | VISION SERVICE PLAN | 1,076 | $155K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,846 | $150K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $0 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $132K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,302 | — |
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.