| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $211K | — | $211K | 8.41% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $54K | $5K | $59K | 2.72% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES, LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | — | $7K | 0.33% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW WASHINGTON, DC 20006 | AETNA LIFE INSURANCE COMPANY | $79K | — | $79K | 9.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 2.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | VISION SERVICE PLAN | $23K | — | $23K | 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 | 3,586 | 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) | 3,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 599 | $3.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 125 | $878K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,562 | $1.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,586 | $2.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,586 | $2.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,586 | $2.5M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 599 | $2.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,586 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,586 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.