| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINTON, CT 06032 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $9K | $9K | 0.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $111K | $29K | $140K | 7.71% |
| SANDRA L RICCIO3 Filed as: SANDRA RICCIO, CFP | TWO TOWERS PLACE 2ND FLOOR EXECUTIVE PARK ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $31K | — | $31K | 3.85% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J. MARINO | 3 MARCUS BOULEVARD, SUITE 205 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $3K | — | $3K | 0.33% |
| ALKALI LLC3 | 2301 OHIO DRIVE, SUITE 260 PLANO, TX 75093 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $441 | $20K | 4.93% |
| GA3 | UNKNOWN PEARL RIVER, NY 10965 | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 1.61% |
| BRAD A. ROBERTSON3 | PO BOX 3564 TUPELO, MS 38803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| SANDY RICCIO, CFP3 | TWO TOWERS PLACE 2ND FLOOR EXECUTIVE PARK ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | 5.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HEALTH RESOURCES, INC. | $4K | — | $4K | 5.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS, INC. | 1925 FREDERICA STREET OWENSBORO, KY 42301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 17.00% |
| WAYNE ZUCKERMAN3 | 18062 IRVINE BOULEVARD, SUITE 305 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 3.79% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | LEGALPLANS, USA | $6K | — | $6K | 10.00% |
| RICCIO SANDRA3 | 2 TOWER PLACE ALBANY, NY 12203 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 11.17% |
| HOCK & ASSOCIATES INC.3 Filed as: HOCK AND ASSOCIATES, INC. | 3520 STEVENS WAY AUGUSTA, GA 30907 | GREATER GEORGIA LIFE INSURANCE COMPANY | $11K | — | $11K | 22.80% |
| HOCK & ASSOCIATES INC.3 Filed as: HOCK AND ASSOCIATES, INC. | PO BOX 211584 AUGUSTA, GA 30917 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.14% |
| DAVID STEPHENS3 | 2240 MILITARY ROAD COLUMBUS, MS 39705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 28.62% |
| RENASANT INSURANCE AGENCY3 | UNKNOWN TUPELO, MS 38802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 21.07% |
| KIMBERLY DAWN ROBINSON3 | 530 MCCORD STREET WEST POINT, MS 39773 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $442 | $5K | 13.89% |
| MELISSA WALKER3 | 519 SHELLEY ROAD COLUMBUS, MS 39705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 9.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | PO BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.79% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.16% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.34% |
| HOCK & ASSOCIATES INC.3 Filed as: HOCK AND ASSOCIATES, INC. | 3328 WASHINGTON ROAD SUITE H AUGUSTA, GA 30907 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $9K | — | $9K | 53.80% |
| RICCIO SANDRA3 | 2 TOWER PLACE ALBANY, NY 12203 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $458 | — | $458 | 10.41% |
| ALKALI LLC3 | 2301 OHIO DRIVE, SUITE 260 PLANO, TX 75093 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $329 | — | $329 | 17.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVCS | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $110 | $110 | 5.86% |
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 | 3,650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 1,726 | $7.9M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW YORK | 242 | $242K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,471 | $448K |
| Life insurance(7 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,112 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,112 | $1.9M |
| Long-term disability(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,112 | $2.1M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 1,726 | $7.9M |
| Other(10 contracts, 9 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,525 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,525 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.