| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $55K | — | $55K | 7.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $23K | — | $23K | 7.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $11K | — | $11K | 7.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $6K | — | $6K | 8.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 1.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | — | $5K | 8.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 4.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $469 | — | $469 | 0.77% |
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 | 1,875 | 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) | 1,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,996 | $774K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,554 | $325K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 757 | $156K |
| Other(4 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,239 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,996 | — |
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.