| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $95 | $123K | 1.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $117K | $117K | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1350 TREAT BLVD SUITE 550 WALNUT, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $60 | $66K | 0.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31K | $31K | 0.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $383 | $2K | $2K | 0.11% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $333K | $0 | $333K | 20.00% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $0 | $1 | $1 | 0.00% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $154K | $0 | $154K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN L. PIPER | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85K | $0 | $85K | 11.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE SUITE 700 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $121 | $632 | $753 | 0.13% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86K | $0 | $86K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98K | $0 | $98K | 23.12% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78K | $0 | $78K | 18.50% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.63% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | $0 | $43K | 16.30% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | $0 | $35K | 13.05% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.27% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 17.02% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 13.60% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.41% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | $0 | $36K | 16.15% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | $0 | $29K | 12.86% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.22% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 15.57% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $81 | $11K | 13.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1350 TREAT BLVD. SUITE 550 WALNUT CREEK, CA 94597 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF WASHINGTON | $600 | $0 | $600 | 3.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF WASHINGTON | $211 | $0 | $211 | 1.19% |
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 | 24,796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,928 | $29.8M |
| Dental(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,590 | $1.3M |
| Vision(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 6,391 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,051 | $7.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,051 | $6.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,051 | $6.7M |
| Prescription drug(10 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,639 | $23.2M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,051 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,051 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.