| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 3.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 13042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | GENWORTH LIFE INSURANCE COMPANY | $12K | — | $12K | 10.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | — | $22K | $22K | 39.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AGENCY LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 17.49% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE LLC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.55% |
| GERARD B TRACY ASSOCIATES INC3 | 1261 POST ROAD FAIRFIELD, CT 06824 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$218 | — | -$218 | -0.55% |
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 | 993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,495 | $56K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 993 | $596K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 993 | $596K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 993 | $596K |
| Other(4 contracts, 3 carriers) | JOHN HANCOCK | 240 | $791K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,495 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.