| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $252K | $14K | $266K | 5.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | STANDARD OF NEW YORK | $25K | $0 | $25K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | STANDARD OF NEW YORK | $16K | $0 | $16K | 4.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $10K | $0 | $10K | 11.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $836 | $10K | 20.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $291 | $8K | 16.75% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $300 | $300 | 20.00% |
| WESTCHESTER BENEFIT GROUP3 Filed as: WESTCHESTER BENEFIT GROUP, INC. | 500 SUMMIT LAKE DRIVE, SUITE 120 VALHALLA, NY 10595 | FEDERAL INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 677 | $5.3M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 677 | $5.3M |
| Vision | VISION SERVICE PLAN | 203 | $81K |
| Life insurance | STANDARD OF NEW YORK | 235 | $333K |
| Long-term disability | STANDARD OF NEW YORK | 235 | $333K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 677 | $5.3M |
| Other(4 contracts, 4 carriers) | STANDARD OF NEW YORK | 383 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.