| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAR RISK SERVICES, INC.3 | 536 SILICON DRIVE, SUITE 103 SOUTHLAKE, TX 76092 | KAISER FOUNDATION HEALTH PLAN INC | $147K | — | $147K | 4.49% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN INC | $48K | — | $48K | 1.47% |
| STAR RISK SERVICES, INC.3 | 536 SILICON DRIVE, SUITE 103 SOUTHLAKE, TX 76092 | DELTA DENTAL | $9K | — | $9K | 2.69% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL | $4K | — | $4K | 1.31% |
| STAR RISK SERVICES, INC.3 | 536 SILICON DRIVE, SUITE 103 SOUTHLAKE, TX 76092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.80% |
| STAR RISK SERVICES, INC.3 | 536 SILICON DRIVE, SUITE 103 SOUTHLAKE, TX 76092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.81% |
| STAR RISK SERVICES, INC.3 | 536 SILICON DRIVE, SUITE 103 SOUTHLAKE, TX 76092 | VISION SERVICE PLAN | $2K | — | $2K | 6.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $1K | — | $1K | 3.54% |
| STAR RISK SERVICES, INC.3 | 536 SILICON DRIVE, SUITE 103 SOUTHLAKE, TX 76092 | ARMADACARE, LLC | $400 | — | $400 | 1.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ARMADACARE, LLC | $200 | — | $200 | 0.63% |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 581 | $3.3M |
| Dental | DELTA DENTAL | 292 | $324K |
| Vision | VISION SERVICE PLAN | 237 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $118K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $79K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 407 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.