| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $229K | — | $229K | 5.00% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST. STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $170K | $170K | 3.70% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 EIGHTEENTH ST. STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $76K | — | $76K | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY | 595 STEWART AVENUE GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $98K | $5K | $103K | 10.34% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST, STE 1304 NEW YORK, NC 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $67K | $13K | $79K | 12.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-NE SERIES | 751 ARBOY WAY #250 BLUE BELL, PA 19422 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $55K | — | $55K | 8.71% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $29K | $29K | 4.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $18K | $18K | 2.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-HOME OFFICE | 444 W 47TH ST, SUITE 900 KANSAS CITY, MA 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $6K | $6K | 1.00% |
| DANIEL J. MURPHY3 | BLDG 100 SUITE 200 12725 MORRIS ROAD EXT ALPHARETTA, GA 30004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $60 | — | $60 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-NY SERIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 EIGHTEENTH ST. STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GRP/SE INC | 40 WALL ST, STE 1304 NEW YORK, NC 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $14K | 13.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-NE SERIES | 751 ARBOY WAY #250 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 8.91% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GRP/SE INC | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 5.38% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 3.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-HOME OFFICE | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-NY SERIES | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | ACE AMERICAN INSURANCE COMPANY | $412 | — | $412 | 14.98% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST/INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $231 | $37 | $268 | 11.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | NORTHEAST SERIES 751 ARBOY WAY #250 BLUE BELL, PA 19422 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $158 | $3 | $161 | 6.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $32 | $32 | 1.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-HOME OFFICE | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2 | $2 | 0.08% |
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 | 11,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 704 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 166 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 166 | $1.0M |
| Vision(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 11,559 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,944 | $4.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,944 | $4.6M |
| Other(6 contracts, 5 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 8,944 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,559 | — |
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.