| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | $19K | $37K | 3.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $143 | $143 | 0.02% |
| AXA ASSISTANCE, USA3 Filed as: AXA NETWORK LLC | 1290 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 101040101 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 2.06% |
| ANDREW RUBIN3 | 40 MONUMENT RD BALA CYNWYD, PA 190041729 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.67% |
| HEATH HOLT3 | 40 MONUMENT RD BALA CYNWYD, PA 190041729 | METROPOLITAN LIFE INSURANCE COMPANY | $506 | — | $506 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 8.59% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $3K | $9K | 5.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 13.44% |
| ANDREW RUBIN3 | 40 MONUMENT RD BALA CYNWYD, PA 190041729 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 641843844 | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - | NEW YORK, NY 34-20 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | -$4 | — | -$4 | -0.01% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $3K | $8K | 12.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $3K | — | $3K | 20.00% |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $859K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,250 | $1.4M |
| Vision | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | 1,047 | $68K |
| Life insurance(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,041 | $1.0M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 638 | $159K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,361 | $1.0M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,250 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,361 | — |
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.