| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 Filed as: SAUL R. LOCKER | 1099 EIGHTEENTH STREET, SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $0 | $395K | $395K | 7.19% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $264K | $0 | $264K | 4.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $31K | $31K | 0.57% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | 1099 EIGHTEENTH STREET, SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | -$68K | $0 | -$68K | -1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 595 STEWART AVENUE GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $104K | $27K | $131K | 11.44% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 40 WALL STREET, SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $76K | $14K | $90K | 12.14% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $59K | $0 | $59K | 8.01% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP NE | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $40K | $40K | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $18K | $18K | 2.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $5K | $5K | 0.62% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $788 | $788 | 0.11% |
| DANIEL J. MURPHY3 | 12725 MORRIS ROAD EXT ALPHARETTA, GA 30004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $125 | $0 | $125 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $84 | $0 | $84 | 0.01% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | ACE AMERICAN INSURANCE COMPANY | $707 | $0 | $707 | 14.99% |
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 | 11,941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 724 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 190 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 190 | $1.1M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 12,237 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,344 | $5.5M |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 705 | $738K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,344 | $5.5M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 190 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 11,941 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,237 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.