| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE OF NORTH AMERICA | $0 | $105K | $105K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $33K | $0 | $33K | 3.51% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | UNKNOWN HOUSTON, TX 77219 | TRIPLE S SALUD, INC | $37K | $0 | $37K | 5.00% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN HOUSTON, TX 77219 | AETNA LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.02% |
| STEVEN PAULI INSURANCE3 Filed as: STEVEN A. PAULI INSURANCE | PO BOX 363909 SAN JUAN, PR 00936 | DELTA DENTAL OF PUERTO RICO, INC. | $2K | $0 | $2K | 5.00% |
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 | 14,535 | 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) | 14,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,528 | $15.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,452 | $341K |
| Vision | VISION SERVICE PLAN | 8,470 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 14,535 | $4.3M |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 13,372 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 14,535 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,535 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.