| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 7.09% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1110 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 7.84% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN AND OTHER AGENTS | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $1K | $43 | $1K | 3.87% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 PENN SQUARE EAST PHILADELPHIA, PA 19107 | AFLAC | $993 | $0 | $993 | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYES | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $472 | $0 | $472 | 1.43% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS 20TH FLOOR NEW YORK, NY 10036 | AFLAC | $434 | $0 | $434 | 1.31% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $429 | $0 | $429 | 1.30% |
| LESLEY J BALIN3 Filed as: LESLEY J. BALIN | 7 CAROLYN COURT MORRISTOWN, NJ 07960 | AFLAC | $285 | $93 | $378 | 1.14% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M. D. AGOSTINO | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $275 | $0 | $275 | 0.83% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 30 SOUTH 15TH STREET, SUITE 1 PHILADELPHIA, PA 19102 | AFLAC | $881 | $0 | $881 | 3.37% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN AND OTHER AGENTS | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $843 | $21 | $864 | 3.30% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | AFLAC | $417 | $0 | $417 | 1.59% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 3303 LIBERTY LANE WALL TOWNSHIP, NJ 07719 | AFLAC | $330 | $0 | $330 | 1.26% |
| LESLEY J BALIN3 Filed as: LESLEY J. BALIN | 7 CAROLYN COURT MORRISTOWN, NJ 07960 | AFLAC | $277 | $45 | $322 | 1.23% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $272 | $0 | $272 | 1.04% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYES | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $192 | $0 | $192 | 0.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 58.76% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 350 | $48K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 546 | $139K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 546 | $139K |
| Other(6 contracts, 5 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 895 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.