| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 802173850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 3.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 802173850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF CA | 2401 E KATELLA AVE STE 550 ANAHEIM, CA 92806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 53.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $610 | $7K | 10.59% |
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 | 2,839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,270 | $153K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,987 | $182K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,987 | $280K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,987 | $280K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,987 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,987 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.