| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $0 | $51K | 4.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $272 | $272 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64K | — | $64K | 24.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 6.94% |
| MATTHEW T O'HANLON3 | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.04% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | $0 | $251 | 0.09% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE A. CANFIELD | 425 FAYETTE STREET, SUITE 978 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $501 | — | $501 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | — | $50 | $50 | 1.50% |
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 | 3,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $123K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,398 | $370K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,448 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,448 | $1.1M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,448 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,448 | — |
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.