| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | 2100 ROSS AVE. DALLAS, TX 75201 | DELTA DENTAL | $1K | — | $1K | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | — | SUN LIFE ASSURANACE COMPANY OF CANADA | $84K | $30K | $114K | 6.21% |
| LOCKTON COMPANIES, LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | $53K | $123K | 8.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMIPRX HEALTH EIN 47-1226691 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $3.0M |
| VIVIO HEALTH, INC. RX EIN 81-2714421 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $2.8M |
| ACCOLADE,INC. EIN 01-0969591 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $776K |
| WEBTPA EIN 75-2611444 CONTRACT ADMIN | Actuarial; Custodial (securities); Contract Administrator; Consulting (general); Insurance services; Claims processing Service code 11 | — | $625K |
| AETNA NETWORK SERVICES EIN 06-6033492 CONTRACT ADMIN | Contract Administrator; Insurance services Service code 13 | — | $426K |
| ASCENDANT HEALTH CARE EIN 26-3768186 CONTRACT ADMIN | Contract Administrator; Insurance services Service code 13 | — | $405K |
| EMPYREAN BENEFIT SOLUTIONS, INC. EIN 20-3029813 CONTRACT ADMIN | Claims processing Service code 12 | — | $253K |
| COLOR GENOMICS EIN 46-3353585 CONTRACT ADMIN | Other services Service code 49 | — | $32K |
| PROGYNY EIN 27-2220139 CONTRACT ADMIN | Insurance services; Claims processing; Other services Service code 12 | — | $23K |
| HEALTH BRIDGES OF NORTHER CA EIN 47-1308284 CONTRACT ADMIN | Claims processing; Plan Administrator Service code 12 | — | $16K |
| HEALTHCARE STRATEGIES CCMU EIN 52-1874471 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 5,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 232 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,620 | $33.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 5,303 | $4.0M |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 4,784 | $34.2M |
| Life insurance | FOUR EVER LIFE INS. CO. | 7 | $47K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 4,784 | $33.7M |
| Stop-loss / reinsurancereinsurance(4 contracts, 3 carriers) | SUN LIFE ASSURANACE COMPANY OF CANADA | 2,262 | $3.5M |
| Other | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | 5,620 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,620 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.