| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 6.42% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $27K | $27K | 4.59% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD, SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $35K | — | $35K | 13.65% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | ZURICH AMERICAN INSURANCE COMPANY | $26K | — | $26K | 10.11% |
| ACAP HEALTH CONSULTING LLC3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | ZURICH AMERICAN INSURANCE COMPANY | $12K | — | $12K | 4.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $400 | $6K | 12.00% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $353 | $353 | 0.73% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $44 | $44 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $6 | $6 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $687K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATION | Contract Administrator Service code 13 | — | $64K |
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 | 2,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 1,468 | $144K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,366 | $598K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,366 | $598K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,366 | $598K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,366 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,366 | — |
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.