| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $93K | $165K | 2.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $87 | $88K | 1.53% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22K | $22K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $33K | $0 | $33K | 1.18% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $14K | $0 | $14K | 0.50% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | $0 | $54K | 2.21% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 1.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $39K | $39K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $40K | $0 | $40K | 1.66% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $0 | $38K | 1.88% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 0.98% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $9K | $3 | $9K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | $0 | $7K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 0.64% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW WASHINGTON, DC 20006 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $291 | $14K | 3.14% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $523 | $9K | 1.91% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 1.28% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1K | $0 | -$1K | -0.27% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $292 | $2K | 0.55% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $20K | $309 | $20K | 6.74% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | METLIFE LEGAL PLANS | $10K | $8K | $18K | 6.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $942 | $942 | 0.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $0 | $886 | $886 | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY | PO BOX 8500 S-6100 PHILADELPHIA, PA 19178 | METLIFE LEGAL PLANS | $0 | $39 | $39 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | $0 | $2K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 | 250 MONROE AVENUE NW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $436 | $0 | $436 | 0.19% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 0.86% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 0.73% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | GENWORTH LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.97% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | GENWORTH LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.81% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.10% |
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 | 10,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 628 | $10.7M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 10,838 | $643K |
| Vision | VISION SERVICE PLAN | 10,838 | $0 |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,838 | $8.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,318 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,318 | $2.6M |
| Prescription drug(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 628 | $8.6M |
| Other(8 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,838 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,838 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.