| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (NE SERIES) | C/O BANK OF AMERICAN PO BOX 417484 BOSTON, MA 02241 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $45K | — | $45K | 4.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $23K | $23K | 2.30% |
| LOCKTON COMPANIES, LLC3 | 1185 AVE OF THE AMERICAS, STE 2010 NEW YORK, NY 100362603 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 2.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (NORTHEAST SERIES | C/O BANK OF AMERICAN PO BOX 417484 BOSTON, MA 02241 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29K | — | $29K | 4.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD, SUITE 2500 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $14K | $14K | 2.20% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $214K | — | $214K | 46.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 11801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $92K | — | $92K | 19.94% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | GSB BUILDING ONE BELMONT AVE, STE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $9 | $11K | 4.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $35 | $10K | 3.84% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES-DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.83% |
| DWIGHT L PIERCE3 | 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| AKIO L. BLEY3 Filed as: AKIO L BLEY | GBS BUILDING ONE BELMONT AVE, STE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.08% |
| MATTHEW J ORDILLE3 | 77 PINTAIL DRIVE GLASSBORO, NJ 08028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE CO. | — | $8K | $8K | 4.98% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | GSB BUILDING 1 BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $138 | $7K | 8.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $148 | $5K | 5.81% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $23 | $5K | 5.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $52 | $2K | 3.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ATTN TELLYE HEDRICK 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $180 | $180 | 0.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 6.81% |
| CAPRARA ALFRED3 | C/O REUBEN WARNER ASSOCIATES 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $16 | $16 | 0.06% |
| AKIO L. BLEY3 Filed as: AKIO L BLEY | GSB BUILDING 1 BELMONT AVE, STE 304 BAL CYNWYD, PA 19004 | FIRST UNUM LIFE INSURANCE COMPANY | $250 | — | $250 | 19.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | FIRST UNUM LIFE INSURANCE COMPANY | $139 | — | $139 | 10.62% |
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 | 5,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 415 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 241 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 8,416 | $709K |
| Dental(10 contracts, 10 carriers) | CIGNA DENTAL HEALTH OF TEXAS INC | 296 | $213K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 8,416 | $709K |
| Life insurance(6 contracts, 6 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,039 | $1.9M |
| Short-term disability(4 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 7,039 | $827K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,710 | $727K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,122 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,416 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.