| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 Filed as: SAUL R. LOCKER | 1099 EIGHTEENTH STREET DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $0 | $347K | $347K | 5.33% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $313K | $0 | $313K | 4.81% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $10K | $5K | $15K | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | AETNA LIFE INSURANCE COMPANY | $134K | $35K | $168K | 12.60% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL STREET, SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $87K | $16K | $104K | 11.03% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOY WAY, SUITE 250 BLUE BELL, PA 19422 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $65K | $1 | $65K | 6.90% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $39K | $39K | 4.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC & OTHER AGENT | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $19K | $19K | 2.06% |
| 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 | $3K | $3K | 0.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $704 | $704 | 0.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $62 | $0 | $62 | 0.01% |
| DANIEL J. MURPHY3 | 12725 MORRIS ROAD EXT BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $52 | $0 | $52 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1150 JULIAN DRIVE, SUITE 100 WATKINSVILLE, GA 30677 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $14 | $14 | 0.00% |
| 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 | 11,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 639 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 192 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 192 | $1.3M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE, FIDELITY SECURITY LIFE INS CO NY. | 13,660 | $2.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 10,312 | $6.5M |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 616 | $942K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,312 | $6.5M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 192 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 10,312 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,660 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.