| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.17% |
| MIKE HAND3 | 100 CORPORATE POINTE SUITE 120 CULVER CITY, CA 90230 | CIGNA HEALTH INSURANCE COMPANY | $57K | — | $57K | 11.65% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $13K | — | $13K | 4.34% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | ANTHEM HEALTH PLANS, INC. | — | $2K | $2K | 0.53% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 2.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | ANTHEM HEALTH PLANS, INC. | — | $3K | $3K | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | — | $5K | $5K | 4.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS | PO BOX 13743 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 14.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $149 | — | $149 | 0.19% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $9K | — | $9K | 13.17% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $620 | — | $620 | 0.87% |
| MIKE HAND3 | 100 CORPORATE POINTE SUITE 120 CULVER CITY, CA 90230 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 7.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 415161 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.49% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $457 | $457 | 0.69% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $686 | $12K | 21.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | P.O. BOX 416672 BOSTON, MA 022416672 | VISION SERVICE PLAN | $2K | — | $2K | 5.88% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 441316827 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.56% |
| FERRUGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $3K | — | $3K | 12.70% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $237 | — | $237 | 0.87% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $473 | $3K | 11.80% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $270 | $270 | 1.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $921 | — | $921 | 3.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $592 | — | $592 | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $339 | — | $339 | 2.40% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $2K | — | $2K | 16.38% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $108 | — | $108 | 0.87% |
| MICHAEL HAND5 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ROBERT SEMROW AGENCY5 | 2602 E. HILLCREST AVENUE ORANGE, CA 92867 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $24 | — | $24 | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | — | $200 | $200 | 4.05% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $401 | — | $401 | 17.87% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $19 | — | $19 | 0.85% |
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 | 827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $2.5M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 240 | $111K |
| Vision(4 contracts, 3 carriers) | VISION SERVICE PLAN | 389 | $85K |
| Life insurance(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 523 | $290K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $104K |
| Long-term disability(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $180K |
| Prescription drug(5 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 56 | $238K |
| Other(10 contracts, 7 carriers) | ANTHEM HEALTH PLANS, INC. | 827 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.