| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $303K | $0 | $303K | 16.91% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $21K | $21K | 1.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | DELTA DENTAL OF CONNECTICUT, INC. | $42K | $0 | $42K | 4.15% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | SIMNSA | $2K | $0 | $2K | 7.00% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 151 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $0 | $497 | 2.39% |
| ROBERT LUNDE3 | 1938 WESTMINSTER AVENUE COSTA MESA, CA 92627 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $436 | $0 | $436 | 2.10% |
| TECH COORDINATOR CYBER INSURANCE SO3 Filed as: TECH COORDINATOR CYBER INSURANCE | 10741 LA JARA STREET CERRITOS, CA 90703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $270 | $0 | $270 | 1.30% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $0 | $206 | 0.99% |
| MJ INSURANCE3 Filed as: MICHAEL J. MINNEY & VARIOUS AGENTS | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.14% |
| LUIS RAFAEL VALLE3 Filed as: LUIS PEREZ BENEFIT INS. SOLUTIONS | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.13% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $2K | $575 | $3K | 19.13% |
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 | 3,780 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 83 | $1.2M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 2,460 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,780 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,780 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,780 | $1.8M |
| Prescription drug(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 83 | $1.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,780 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,780 | — |
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.