| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 12.56% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $106 | $106 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MO 02241 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.39% |
| JESSICA A BOUTILETTE3 Filed as: JESSICA A. BOUTILETTE | 16 BROAD STREET, SUITE 5 WASHINGTON, NJ 07882 | AFLAC | $1K | $205 | $1K | 3.17% |
| TIMOTHY MCANDREWS3 | 5483 MARINE AVENUE LAWNDALE, CA 90260 | AFLAC | $1K | $0 | $1K | 3.04% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $546 | $33 | $579 | 1.35% |
| KRISTEN N. POLLOCK3 | 42A SOUTH 3RD STREET, SUITE 200 EASTON, PA 18042 | AFLAC | $552 | $0 | $552 | 1.28% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | AFLAC | $530 | $0 | $530 | 1.23% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO AND OTHER AGENTS | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $453 | $3 | $456 | 1.06% |
| DANIEL A VERDUN3 Filed as: DANIEL A. VERDUN | 4 JASON LANE MORRISTOWN, NJ 07960 | AFLAC | $138 | $0 | $138 | 0.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MO 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 28.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 445 SOUTH STREET MORRISTOWN, MO 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $883 | $0 | $883 | 2.09% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 42 | $43K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 490 | $102K |
| Life insurance(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $399K |
| Short-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $399K |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $398K |
| Other(4 contracts, 4 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.