| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE COMPANY | $94K | $0 | $94K | 2.25% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY STREET, SUITE 1900 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $7K | $0 | $7K | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST, LLC | UNKNOWN PASCO, WA 99301 | DELTA DENTAL OF WASHINGTON | -$4 | — | -$4 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY STREET, SUITE 1900 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 13.54% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $5K | $811 | $6K | 21.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $5K | $358 | $5K | 18.67% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $815 | $0 | $815 | 3.57% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $900 | $58 | $958 | 42.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $899 | $0 | $899 | 39.81% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 435 | $4.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 446 | $251K |
| Vision | AETNA LIFE INSURANCE COMPANY | 435 | $4.2M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $133K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $133K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.