| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.09% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $26K | 7.73% |
| JOHN E. GREGORY3 | 1122 ROUND POINTE DRIVE HAVERSTRAW, NY 10927 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.58% |
| LOCKTON COMPANIES, LLC3 | 1715 AARON BRENNER DRIVE, SUITE 512 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $102 | $15K | 10.11% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.79% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $8K | — | $8K | 21.40% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $5K | — | $5K | 13.01% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $836 | — | $836 | 2.33% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930159 | VISION SERVICE PLAN | $233 | — | $233 | 5.62% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | VISION SERVICE PLAN | $152 | — | $152 | 3.66% |
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 | 2,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 275 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 833 | $4.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $333K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $337K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 520 | $150K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 85 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 520 | $150K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 833 | $4.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 520 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.