| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | KAISER FOUNDATION HEALTH PLAN INC | $123K | $0 | $123K | 0.95% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282K | $0 | $282K | 3.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $68K | $68K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | NATIONWIDE | $332K | $0 | $332K | 7.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $242K | $0 | $242K | 13.61% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $48K | $48K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | AMERITAS | $119K | $0 | $119K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $97K | $0 | $97K | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $8K | $0 | $8K | 0.82% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD STREET SUITE 2500 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | $0 | $8K | 1.44% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $4K | $0 | $4K | 1.37% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $28K | $293 | $28K | 8.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $3K | $391 | $4K | 1.18% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $0 | $876 | $876 | 0.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | UNKNOWN CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $0 | $45 | $45 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $10 | $10 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $0 | $3K | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80K | $3K | $83K | 35.77% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $438 | $0 | $438 | 0.19% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | FEDERAL INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| UNKNOWN3 | UNKNOWN SAN RAMON, CA 94583 | MAGELLAN HEALTH | $2K | $0 | $2K | 4.75% |
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 | 17,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,679 | $19.5M |
| Dental(2 contracts, 2 carriers) | AMERITAS | 3,252 | $1.2M |
| Vision(3 contracts, 3 carriers) | AMERITAS | 7,367 | $2.5M |
| Life insurance(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,123 | $14.6M |
| Short-term disability | NATIONWIDE | 2,679 | $4.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,123 | $8.4M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,585 | $15.3M |
| Other(8 contracts, 8 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,123 | $15.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,123 | — |
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."
No prospect flags tripped on this filing.