| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $202K | $29K | $230K | 6.28% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | SELECTHEALTH | $11K | $0 | $11K | 4.53% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HEALTH PLAN OF NEVADA | $10K | $0 | $10K | 9.54% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 8.82% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $472 | $7K | 6.88% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ AND OTHER AGENTS | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $726 | $5K | 5.51% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $728 | $2K | 2.27% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G. STOKES | 17042 PINEHURST LANE, SUITE D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $345 | $2K | 1.90% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $448 | $1K | 1.47% |
| ELIZABETH REYNERTSON3 Filed as: ELIZABETH REYNERSTON | 8513 DAY STREET SUNLAND, CA 91040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 1.25% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 14.48% |
| MJ INSURANCE3 Filed as: ANTHONY WELLS AND VARIOUS AGENTS | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $340 | $2K | 5.75% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $124 | $2K | 5.66% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $173 | $1K | 4.04% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $745 | $361 | $1K | 3.57% |
| CLAUDIA MONA VANDERVELD3 | 6124 PEGGOTTY AVENUE LAS VEGAS, NV 89130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $117 | $787 | 2.54% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $0 | $670 | 2.16% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $57 | $2K | 6.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $476 | $476 | 1.89% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $125 | $2K | 7.21% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $847 | $2K | 7.08% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $146 | $1K | 5.22% |
| MJ INSURANCE3 Filed as: CASEY KUGLER AND VARIOUS AGENTS | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $611 | $257 | $868 | 3.56% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $410 | $199 | $609 | 2.49% |
| CANDICE ELISE EUSEBIO3 | 5756 OWENS DRIVE, APARTMENT 205 PLEASANTON, CA 94588 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $62 | $513 | 2.10% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHRONE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.59% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $560 | $1K | 7.14% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $738 | $55 | $793 | 4.35% |
| MJ INSURANCE3 Filed as: ANDREA TIERCE AND VARIOUS AGENTS | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $623 | $48 | $671 | 3.68% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $95 | $331 | 1.81% |
| STACI MARIE FERRARIS3 | 28912 GLEN ROCK PLACE HIGHLAND, CA 92346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $251 | $42 | $293 | 1.61% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $71 | $218 | 1.19% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G. STOKES | 17042 PINEHURST LANE, SUITE D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $36 | $186 | 1.02% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $759 | $58 | $817 | 5.58% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $407 | $400 | $807 | 5.51% |
| MJ INSURANCE3 Filed as: KRISTEN BIBLE AND VARIOUS AGENTS | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $552 | $38 | $590 | 4.03% |
| CASSANDRA EPSTEIN3 | 9045 EGRET COVE CIRCLE RIVERVIEW, FL 33578 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $513 | $0 | $513 | 3.51% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $189 | $91 | $280 | 1.91% |
| JOHN J SWIDERSKI3 Filed as: JOHN J. SWIDERSKI | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.67% |
| DEBRA LEWIS LINGER3 | 4236 WOODLAWN DRIVE RALEIGH, NC 27616 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $5 | $95 | 0.65% |
| MARC MAURICIO MORROW3 | 30218 VINEBRIAR DRIVE SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $627 | $328 | $955 | 10.13% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $720 | $56 | $776 | 8.23% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $385 | $363 | $748 | 7.93% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $91 | $279 | 2.96% |
| MJ INSURANCE3 Filed as: ANDREA TIERCE AND VARIOUS AGENTS | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $18 | $205 | 2.17% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON BENEFITS, LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $92 | $138 | 1.46% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY, INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $56 | $90 | 0.95% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $579 | $45 | $624 | 7.15% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $319 | $286 | $605 | 6.94% |
| QUIN ANTONIO WALKER3 | 474 WEST MURRAY BOULEVARD MURRAY, UT 84123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $0 | $417 | 4.78% |
| MJ INSURANCE3 Filed as: CLARICE R. MIMS AND VARIOUS AGENTS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | $80 | $352 | 4.04% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $73 | $224 | 2.57% |
| ISAACSON INSURANCE AGENCY LLC3 Filed as: ISAACSON INSURANCE AGENCY, LLC | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.83% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHRONE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.80% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $339 | $702 | 8.33% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $641 | $50 | $691 | 8.19% |
| ANTHONY GLENN WELLS3 Filed as: ANTHONY WELLS | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $19 | $317 | 3.76% |
| MJ INSURANCE3 Filed as: BRIAN LLOYD AND VARIOUS AGENTS | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $189 | $103 | $292 | 3.46% |
| CANDICE ELISE EUSEBIO3 | 5756 OWENS DRIVE, APARTMENT 205 PLEASANTON, CA 94588 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $33 | $275 | 3.26% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $80 | $245 | 2.91% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $141 | $181 | 2.15% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $432 | $33 | $465 | 14.37% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $197 | $357 | 11.03% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G. STOKES | 17042 PINEHURST LANE, SUITE D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $29 | $255 | 7.88% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $54 | $166 | 5.13% |
| ROBERT MORRISON3 | 937 THIMBLEBERRY DRIVE CASTLE ROCK, WA 98611 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $12 | $162 | 5.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $78 | $135 | 4.17% |
| CHRISTINE LYNN MORGESTER3 | 988 SW 26TH STREET TROUTDALE, OR 97060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 0.65% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $21 | $318 | 11.88% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $138 | $273 | 10.20% |
| MJ INSURANCE3 Filed as: NOAH OROPEZA AND VARIOUS AGENTS | 11948 NORTH 52ND DRIVE SURPRISE, AZ 85379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $46 | $139 | 5.19% |
| KATIE HANSILL3 | 6210 EAST JANICE WAY SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $9 | $136 | 5.08% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $34 | $105 | 3.92% |
| GLORIA GUERRA3 | 34212 NORTH 23RD GLEN PHOENIX, AZ 85085 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $6 | $91 | 3.40% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $42 | $58 | 2.17% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | $21 | $300 | 14.01% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $133 | $242 | 11.30% |
| MARY BROOK FORD3 | 5475 NORTH MITCHUM AVENUE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $1 | $155 | 7.24% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $34 | $104 | 4.86% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G. STOKES | 17042 PINEHURST LANE, SUITE D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $11 | $93 | 4.34% |
| MJ INSURANCE3 Filed as: DENISE MAXWELL AND VARIOUS AGENTS | 3501 WEST TORANA DRIVE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $22 | $65 | 3.04% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $17 | $29 | 1.35% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $52 | $105 | 12.03% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $4 | $67 | 7.67% |
| MJ INSURANCE3 Filed as: SUSAN G. STOKES AND VARIOUS AGENTS | 17042 PINEHURST LANE, SUITE D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $6 | $33 | 3.78% |
| ELIZABETH REYNERTSON3 Filed as: ELIZABETH REYNERSTON | 8513 DAY STREET SUNLAND, CA 91040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $3 | $19 | 2.18% |
| NICOLE ANGELES RAMIREZ3 | 201 NORTH ATLANTIC BOULEVARD SUITE A ALHAMBRA, CA 91801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 2.06% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 1.72% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 1.72% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $4.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $3.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $3.7M |
| Life insurance(13 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $3.9M |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $4.0M |
| Other(13 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 802 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.