| 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 06032 | UNITED HEALTHCARE INSURANCE COMPANY-MEDICAL INSURANCE | $39K | $4K | $43K | 4.74% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DR#8 BRANFORD, CT 064052909 | UNITED HEALTHCARE INSURANCE COMPANY-MEDICAL INSURANCE | $14K | — | $14K | 1.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 9.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $1K | — | $1K | 8.61% |
| WENTWORTH DEANGELIS INC3 | 74 BATTERSON PARK ROAD FARMINGTON, CT 060322565 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $203 | — | $203 | 1.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 999228 PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY-LIFE INSURANCE | $186 | — | $186 | 1.28% |
| 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 | 8.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 999228 PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $213 | — | $213 | 1.47% |
| WENTWORTH DEANGELIS INC3 | 74 BATTERSON PARK ROAD FARMINGTON, CT 060322565 | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | $200 | — | $200 | 1.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $829 | — | $829 | 8.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 999228 PO BOX 173850 DENVER, CO 802173850 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $218 | — | $218 | 2.33% |
| WENTWORTH DEANGELIS INC3 | 74 BATTERSON PARK ROAD FARMINGTON, CT 060322565 | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | $105 | — | $105 | 1.12% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE | — | — | $0 | 0.00% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY-LIFE INSURANCE | 108 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY-TEMPORARY DISABILITY | 32 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY LONG-TERM DISABILITY | 23 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.