| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | 76 BATTERSON PARK, STE 3 FARMINGTON, CT 060322571 | UNITED HEALTHCARE INSURANCE COMPANY-MEDICAL INSURANCE | $49K | $0 | $49K | 4.44% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DR#8 BRANFORD, CT 064052909 | UNITED HEALTHCARE INSURANCE COMPANY-MEDICAL INSURANCE | $16K | $0 | $16K | 1.42% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DR#8 BRANFORD, CT 064052909 | UNITED HEALTHCARE INSURANCE COMPANY-DENTAL | $3K | $0 | $3K | 4.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | 76 BATTERSON PARK, STE 3 FARMINGTON, CT 060322571 | UNITED HEALTHCARE INSURANCE COMPANY-DENTAL | $3K | $0 | $3K | 4.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $2K | — | $2K | 9.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 999228 PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $326 | — | $326 | 1.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $228 | — | $228 | 1.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $2K | — | $2K | 9.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 999228 PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $215 | — | $215 | 1.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $151 | — | $151 | 0.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $1K | — | $1K | 9.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 999228 PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $230 | — | $230 | 1.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $161 | — | $161 | 1.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE | $810 | — | $810 | 10.02% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE | $8 | — | $8 | 8.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY-MEDICAL INSURANCE | 78 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY-DENTAL | 68 | $67K |
| Vision(2 contracts) | EYEMED VISION CARE | 131 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY-LIFE INSURANCE | 107 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | 36 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | 25 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.