| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.63% |
| TIMOTHY MCANDREWS3 | 5483 MARINE AVENUE LAWNDALE, CA 90260 | AFLAC | $2K | $0 | $2K | 3.75% |
| JESSICA A BOUTILETTE3 Filed as: JESSICA A. BOUTILETTE | 16 BROAD STREET, SUITE 5 WASHINGTON, NJ 07882 | AFLAC | $1K | $31 | $1K | 2.65% |
| KRISTEN N. POLLOCK3 | 42A SOUTH 3RD STREET, SUITE 200 EASTON, PA 18042 | AFLAC | $780 | $16 | $796 | 1.74% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | AFLAC | $729 | $0 | $729 | 1.60% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $617 | $7 | $624 | 1.37% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO AND OTHER AGENTS | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $560 | $0 | $560 | 1.23% |
| DANIEL A VERDUN3 Filed as: DANIEL A. VERDUN | 4 JASON LANE MORRISTOWN, NJ 07960 | AFLAC | $149 | $0 | $149 | 0.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 445 SOUTH STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $941 | $0 | $941 | 3.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $573 | $573 | 2.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 1.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 445 SOUTH STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $602 | $0 | $602 | 9.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $80 | $0 | $80 | 1.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $6 | $6 | 0.10% |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 41 | $46K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 476 | $101K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 557 | $417K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 557 | $417K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 557 | $404K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 557 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.