| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE. STE. 1200 DALLAS, TX 752012739 | RELIASTAR LIFE INSURANCE COMPANY | $316K | $56K | $372K | 8.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 0.44% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVE. POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $81K | — | $81K | 24.87% |
| LOCKTON COMPANIES, LLC3 | 11801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | — | $34K | 10.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.02% |
| DWIGHT L PIERCE3 | 1200 E. TAFT AVENUE SAPULA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.68% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFITS COMMUNICATIONS LL | ONE BELMONT AVE., SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| ALIO L BLEY3 | ONE BELMONT AVE., STE. 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| MATTHEW J ORDILLE3 | 77 PINTALL DR. GLASSBORO, NJ 08028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| DWIGHT L PIERCE3 Filed as: DWIGHT BENEFITS | 1200 E. TAFT AVE. SAPULA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | — | $116 | 5.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 3.01% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFIT COMMUNICATIONS LLC | ONE BELMONT AVE., STE. 304 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 1.96% |
| AKIO L. BLEY3 Filed as: AKIO L BLEY | ONE BELMONT AVE., STE. 304 BALA CYNWYD, PA 19004 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 2.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 1.68% |
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 | 6,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 276 | $1.0M |
| Dental | HAWAII MEDICAL SERVICES ASSOCIATION | 2 | $8K |
| Vision | HORIZON INSURANCE COMPANY | 4,516 | $374K |
| Life insurance(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,689 | $4.9M |
| Short-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,689 | $4.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,689 | $4.4M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 276 | $1.0M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,516 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,516 | — |
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.