| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $157K | — | $157K | 9.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.49% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 6.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN INC | — | $249 | $249 | 0.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 2.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $83 | $83 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.57% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.64% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $20K | — | $20K | 9.57% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $539 | $539 | 0.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.40% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 5.64% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN INC | — | $95 | $95 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 19.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $1K | $17K | 19.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 19.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DENTEGRA INSURANCE COMPANY | $3K | — | $3K | 5.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $269 | $269 | 0.56% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.85% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123402 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 10.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $4K | $71 | $4K | 11.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $528 | $528 | 1.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.92% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $947 | — | $947 | 12.35% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $357 | — | $357 | 4.66% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $428 | — | $428 | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $275 | $275 | 6.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $373 | $373 | 14.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $259 | — | $259 | 9.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $116 | $116 | 15.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74 | — | $74 | 9.99% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $67 | — | $67 | 10.98% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $37 | — | $37 | 6.07% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $13 | $13 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.2M |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions; Insurance agents and brokers Service code 22 | — | $210K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $42K |
| WEX HEALTH INC. EIN 06-1593514 ADMINISTRATOR | Contract Administrator Service code 13 | — | $26K |
| PROVIDENCE INSURANCE CO. I.I., LLC EIN 66-0906363 NONE | Insurance brokerage commissions and fees; Other services; Direct payment from the plan; Insurance agents and brokers; Contract Administrator Service code 13 | — | $12K |
| THE BOON INSURANCE AGENCY EIN 74-2236168 MARKETING AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $5K |
| AFFORADABLE BENEFIT CHOICES EIN 66-0833161 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Contract Administrator; Other services; Direct payment from the plan Service code 13 | — | $3K |
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 CONTRACTED TPA | Claims processing; Contract Administrator; Other insurance fees and expenses; Direct payment from the plan Service code 12 | — | $2K |
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 | 2,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 912 | $602K |
| Dental | DENTEGRA INSURANCE COMPANY | 226 | $60K |
| Vision | VISION SERVICE PLAN | 1,205 | $204K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,728 | $413K |
| Short-term disability(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,480 | $435K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,729 | $295K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,250 | $1.6M |
| Other(11 contracts, 6 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,549 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,549 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.