| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $0 | $45K | 6.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 3.57% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $0 | $2K | 0.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $818 | $0 | $818 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 2.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4695 MACARTHUR COURT, SUITE 700 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 1.38% |
| UWR INC.3 | 12668 SILICON DRIVE SAN ANTONIO, TX 78249 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EXPRESS SCRIPTS, INC. | $2K | $0 | $2K | 1.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 5686 DENVER, CO 80217 | KAISER FOUNDATION HEALTH PLAN INC | $43 | $0 | $43 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | ALPHA DENTAL PROGRAMS, INC. | $6K | $0 | $6K | 8.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | ALPHA DENTAL PROGRAMS, INC. | $1K | $0 | $1K | 1.72% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 28.77% |
| JAMES ALLEN3 | 7521 WEST LAKE MEAD BOULEVARD SUITE 401 LAS VEGAS, NV 89128 | LINCOLN FINANCIAL GROUP | $192 | $0 | $192 | 1.50% |
| DARIN TIDWELL3 | 345 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | LINCOLN FINANCIAL GROUP | $192 | $0 | $192 | 1.50% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE INSURANCE COMPANY | $22 | $0 | $22 | 8.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4695 MACARTHUR COURT, SUITE 700 NEWPORT BEACH, CA 92660 | HARTFORD LIFE INSURANCE COMPANY | $10 | $0 | $10 | 4.07% |
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 | 1,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 52 | $503K |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 503 | $73K |
| Vision | VISION SERVICE PLAN | 928 | $130K |
| Life insurance(6 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,220 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,220 | $691K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 56 | $501K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,220 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,220 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.