| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 2.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $128 | — | $128 | 0.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $16K | — | $16K | 7.07% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 8.68% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $8K | $17K | 12.96% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $6K | — | $6K | 7.00% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $4K | — | $4K | 5.84% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $2K | — | $2K | 3.07% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $637 | — | $637 | 0.86% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 44131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $697 | $7K | 9.01% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.56% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $495 | $14K | 20.75% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 441316827 | VISION SERVICE PLAN | $6K | — | $6K | 9.97% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $469 | $4K | 11.48% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $536 | $536 | 1.69% |
| FERRUGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $2K | — | $2K | 5.71% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $941 | — | $941 | 3.14% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $257 | — | $257 | 0.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - BOSTON | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTH | ONE LIBERTY PLAZA, 165 BROADWAY STE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $1K | — | $1K | 7.25% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $534 | — | $534 | 3.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $119 | $0 | $119 | 0.86% |
| MICHAEL HAND5 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $974 | — | $974 | 10.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| FERRUGGIO INSURANCE SERVICES OF LA3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 902308754 | USABLE LIFE | $179 | — | $179 | 7.39% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $94 | — | $94 | 3.88% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $21 | — | $21 | 0.87% |
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 | 941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $2.6M |
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $261K |
| Vision(4 contracts, 3 carriers) | VISION SERVICE PLAN | 480 | $101K |
| Life insurance(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 529 | $443K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $158K |
| Long-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 508 | $328K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 54 | $115K |
| Other(7 contracts, 5 carriers) | ANTHEM HEALTH PLANS, INC. | 941 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.