| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | PACIFICSOURCE HEALTH PLANS | $44K | $0 | $44K | 2.53% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PACIFICSOURCE HEALTH PLANS | $43K | $0 | $43K | 2.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $8K | 7.53% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY AVENUE, SUITE 1900 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 4.59% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $250 | $250 | 0.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | $0 | $2K | 6.30% |
| LOCKTON COMPANIES, LLC3 | 600 UNIVERSITY AVENUE, SUITE 1900 SEATTLE, WA 98101 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | $0 | $1K | 2.90% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 226 | $1.7M |
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 69 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 250 | $101K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 250 | $101K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 226 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 250 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.