| 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. | $95K | $0 | $95K | 1.71% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.35% |
| E. AMATA3 | 29 SOUTH MAIN STREET SUITE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.39% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.89% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.72% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 3.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSLIDE DRIVE FARMINGTON, CT 06032 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $861 | $0 | $861 | 5.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $381 | $0 | $381 | 2.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 13.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $410 | $0 | $410 | 5.30% |
| PAUL DELANO3 | 154 PEMBROKE STREET HARTFORD, CT 06112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $145 | $0 | $145 | 12.12% |
| PALACHE FAMILY ENTERPRISES LLC3 Filed as: PALACHE FAMILY ENTERPRISES, LLC | 21 ENGLEWOOD AVENUE BLOOMFIELD, CT 06002 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $43 | $0 | $43 | 3.60% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $42 | $0 | $42 | 3.51% |
| ALISTAIR EDWARDS3 | 723 OAK MOUNTAIN ROAD NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | $0 | $26 | 2.17% |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 683 | $5.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 151 | $8K |
| Life insurance(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 591 | $344K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 110 | $96K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 591 | $232K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 683 | $5.5M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 110 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
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.