| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY AVENUE SUITE 1900 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248K | $0 | $248K | 7.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $97K | $97K | 2.82% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE SUITE 100 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210K | — | $210K | 23.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $0 | $31K | 5.41% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | INDEPENDENT HEALTH BENEFITS CORPORATION | $21K | — | $21K | 3.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | GEISINGER QUALITY OPTIONS, INC. | $4K | $30 | $4K | 1.68% |
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 | 2,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 72 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 79 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 6,736 | $2.8M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $2K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,779 | $3.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,779 | $3.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,779 | $3.4M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 79 | $1.1M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,847 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,736 | — |
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.