| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT STREET PO BOX 1047 ATHENS, OH 45701 | MEDICAL MUTUAL OF OHIO | $24K | $3K | $27K | 3.78% |
| HORST INSURANCE3 | 320 GRANTITE RUN DR. LANCASTER, PA 17601 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $11K | — | $11K | 1.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 9.56% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NE INC. | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 30.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.64% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.98% |
| CORPORATE BENEFIT SYSTEMS3 | 2507 BROWNCROFT BLVD #205 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | 525 W. MONROE SUITE 600 CHICAGO, IL 60661 | NOVA HEALTHCARE ADMINISTRATORS, INC. | $288 | $3K | $3K | 21.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $613 | $2K | 15.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE AND HEALTH INSURANCE COMPANY | $897 | — | $897 | 9.99% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $948 | $0 | $948 | 12.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | $100 | $599 | 11.22% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DRIVE LANCASTER, PA 17604 | VISION BENEFITS OF AMERICA | $241 | $0 | $241 | 5.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146 | $0 | $146 | 15.04% |
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 | 7,476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 71 | $1.3M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 6,663 | $6.6M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 10,494 | $563K |
| Life insurance(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 6,663 | $6.7M |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 112 | $59K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,663 | $6.7M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 80 | $634K |
| Other(10 contracts, 8 carriers) | AETNA LIFE INSURANCE CO. | 13,928 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,928 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.