| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHADLER SOLUTIONS, INC.3 Filed as: CHADLER SOLUTIONS INC | 100 PASSAIC AVENUE STE 120 FAIRFIELD, NJ 07004 | AETNA LIFE INSURANCE COMPANY | $43K | — | $43K | 4.23% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 63150 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.61% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING 350 FIFTH AVE, STE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.21% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $62K | — | $62K | 8.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $42K | $2K | $44K | 6.34% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON DELAWARE INC | COMMISSIONS LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $42K | $12K | $53K | 8.79% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 7.64% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752012739 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | 1.63% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $46K | — | $46K | 8.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $32K | $1K | $34K | 6.50% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 1.51% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA P.O. BOX 505115 ST. LOUIS, MO 631505115 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $18K | — | $18K | 10.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON DELAWARE INC | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $7K | — | $7K | 4.17% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | CENTRE SQUARE EAST 1500 MARKET STREET PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.41% |
| IVAN RODRIGUEZ ARCE3 | URB ENCANTADA SECC ANTILLANA AN 31 CALLE SAN VINCENTE TRUJILLO ALTO, PR 00976 | TRIPLE S SALUD, INC. | $5K | — | $5K | 5.00% |
| ACRISURE LLC3 | 100 PASSAIC AVENUE STE 120 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 13.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $430 | — | $430 | 0.63% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $223 | $2K | 16.79% |
| IVAN RODRIGUEZ ARCE3 | URB ENCANTADA SECC ANTILLANA AN 31 CALLE SAN VICENTE TRUJILO ALTO, PR 00976 | DELTA DENTAL OF PUERTO RICO, INC. | $445 | — | $445 | 9.99% |
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 | 1,820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 56 | $1.4M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $243K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 2,989 | $239K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,820 | $874K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,445 | $519K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 45 | $349K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,115 | $607K |
| Other(7 contracts, 7 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,826 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,989 | — |
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.