| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | $0 | $57K | 4.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $121K | $324 | $121K | 10.03% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $57 | $46K | 6.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.72% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | DELTA DENTAL INSURANCE COMPANY | $9K | $0 | $9K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | DELTA DENTAL OF CT, INC. | $7K | $0 | $7K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | SIMNSA | $4K | $0 | $4K | 7.00% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.31% |
| ROBERT LUNDE3 | 1938 WESTMINISTER AVENUE COSTA MESA, CA 92627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.04% |
| BENEFITS COORDINATOR3 | PO BOX 727 ARTESIA, CA 90702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $599 | $0 | $599 | 1.18% |
| MIKE MCCORMICK3 | SEVEN MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $449 | $0 | $449 | 0.89% |
| MJ INSURANCE3 Filed as: MARIA RODIGHIERO AND VARIOUS AGENTS | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.25% |
| LIFE TIME SOLUTIONS LLC3 Filed as: LIFE TIME SOLUTIONS, LLC | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.15% |
| DAVID ALVARADO3 Filed as: DAVID Z. ALVARADO | 2643 OLD COUNTY ROAD NEWARK, DE 19702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.15% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $979 | $0 | $979 | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $280 | $280 | 1.72% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | SIMNSA | $750 | $0 | $750 | 7.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 35.01% |
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 | 2,518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $2.6M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,884 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,518 | $1.3M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 55 | $51K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,518 | $1.2M |
| Prescription drug(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $2.6M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,518 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,518 | — |
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."
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.