| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $23K | $9K | $32K | 7.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $21K | $900 | $22K | 5.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $642 | $642 | 0.15% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $4K | $94K | 51.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $420 | $5K | 2.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $227 | $227 | 0.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 6.46% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 4.99% |
| JAMES R. DARBY3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 31.25% |
| SARA PENNELLA3 | 131 SOUTH DEARBORN, 6TH FLOOR CHICAGO, IL 60603 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 17.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 3550 LENOX ROAD NE, SUITE 1700 ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 17.21% |
| T J O BRIEN AND ASSOCIATES INC3 Filed as: T J O BRIEN AND ASSOCIATES, INC. | 1899 POWERS FERRY ROAD SE SUITE 232 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $15 | $0 | $15 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $2K | $0 | $2K | 10.00% |
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 | 7,232 | 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) | 7,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 562 | $4.6M |
| Dental(2 contracts, 2 carriers) | HAWAII DENTAL SERVICE | 77 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 52 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,232 | $440K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,232 | $455K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,232 | $461K |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 562 | $4.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 7,232 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,232 | — |
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.