| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS, INC. | 188 E BERGEN PLACE RED BANK, NJ 07701 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $0 | $0 | 0.00% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS, INC. | 188 E BERGEN PLACE RED BANK, NJ 07701 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | TOKIO MARINE HCC | $0 | $12K | $12K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF AMERICA | $96K | $6K | $102K | 30.67% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS, INC. | 188 E BERGEN PLACE RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 5.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 354970 | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $894 | $21K | 46.11% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS, INC. | 188 E BERGEN PLACE RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $894 | $5K | 11.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $777 | $25K | 59.75% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS, INC. | 188 E BERGEN PLACE RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $777 | $6K | 14.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTION CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 17.75% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS, INC. | 188 E BERGEN PLACE RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 17.75% |
| WARNER AND ASSOCIATES3 Filed as: WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 111 E. KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CTR DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $211 | $211 | 1.77% |
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 | 1,684 | 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) | 1,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 21 | $468K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 1,684 | $1.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 1,684 | $1.1M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 836 | $388K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 749 | $91K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 775 | $391K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 836 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,684 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.