| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $153K | $0 | $153K | 2.77% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC, INC. | 601 SW SECOND AVENUE, SUITE 1200 PORTLAND, OR 97204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | $13K | $64K | 1.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 701 5TH AVENUE, SUITE 550 SEATTLE, WA 98104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $8K | $9K | 3.32% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.43% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 391 | $5.5M |
| Dental | DELTA DENTAL OF WASHINGTON | 587 | $257K |
| Vision | VISION SERVICE PLAN | 300 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $264K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $264K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $264K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 391 | $5.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
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.