| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES NORTHEAST SERIES | C/O BANK OF AMERICAN P.O. BOX 417484 BOSTON, MA 022417484 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $65K | — | $65K | 3.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COS LLC (LOCKTON DUNNING) | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75210 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $32K | $32K | 1.88% |
| 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 | $67K | — | $67K | 6.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COS LLC (LOCKTON DUNNING) | 717 NORTH HARDWOOD SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $19K | $19K | 1.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 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 | $13K | — | $13K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.35% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $6K | $6K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W, 47TH STREET KANSAS, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 2,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,802 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 33 | $59K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK, INC | 1,200 | $323K |
| Vision | AETNA LIFE INSURANCE COMPANY | 33 | $59K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,535 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,360 | $1.7M |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,882 | $1.6M |
| 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.