| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN INC | $51K | $0 | $51K | 3.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $15K | $0 | $15K | 1.75% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP | 1116 CANNELL COURT, SUITE 4 ROCKTON, IL 61072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84K | $0 | $84K | 11.19% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 904 EAST TEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $7K | $19K | 2.53% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD, LOCK BOX 741738 COLLEGE PARK, GA 30349 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $133 | $17K | 2.29% |
| WILLIAM J MORRIS3 Filed as: WILLIAM J. MORRIS | 1116 CANNELL COURT ROCKTON, IL 61072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 0.86% |
| MELISSA MARCHAND3 | 127 SOUTH 73RD STREET MILWAUKEE, WI 53214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $98 | $6K | 0.77% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE A. VESTAL AND OTHER AGENTS | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $7 | $2K | 0.25% |
| GRANT P LUBIN3 Filed as: GRANT P. LUBIN | 3822 NORTH 102ND STREET WAUWATOSA, WI 53222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.15% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD LIFE AND ACCIDENT | $55K | $0 | $55K | 12.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $42K | $0 | $42K | 10.20% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP | 1116 CANNELL COURT, SUITE 4 ROCKTON, IL 61072 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 2.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.44% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 8.25% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP | 1116 CANNELL COURT, SUITE 4 ROCKTON, IL 61072 | ARAG INSURANCE COMPANY | $602 | $0 | $602 | 1.75% |
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 | 1,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 297 | $1.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 2,781 | $874K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 551 | $467K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,423 | $875K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,423 | $875K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,423 | $875K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 297 | $1.7M |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 1,423 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,781 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.