| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $98K | $24K | $123K | 2.45% |
| E. AMATA3 | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.02% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.98% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF AMERICAS, SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $611 | $0 | $611 | 2.61% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 14.04% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 9.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $350 | $0 | $350 | 14.96% |
| PAUL DELANO4 | 225 COLEBROOK STREET HARTFORD, CT 06112 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $92 | $0 | $92 | 14.42% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 704 | $5.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 126 | $2K |
| Life insurance(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 585 | $285K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 56 | $72K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 585 | $189K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 704 | $5.0M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 90 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.