| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (NE SERIES) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $64K | — | $64K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $24K | $24K | 2.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF NEW YORK, INC | $12K | — | $12K | 4.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC C/O BANK OF AMERICA | PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $143K | — | $143K | 335.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 195 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10513 | ACE AMERICAN INSURANCE COMPANY | — | $1K | $1K | 15.01% |
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 | 2,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,816 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC | 1,407 | $291K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,900 | $1.3M |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 2,900 | $221K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $43K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $43K |
| Other(5 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,882 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,882 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.