| 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 | $10K | $4K | $14K | 8.76% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1110 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $624 | $3K | 7.27% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMANY | 1 PENN SQUARE EAST PHILADELPHIA, PA 19107 | AFLAC | $732 | $0 | $732 | 2.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 1185 AVENUE OF THE AMERICAS 20TH FLOOR NEW YORK, NY 10036 | AFLAC | $700 | $0 | $700 | 2.78% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $371 | $0 | $371 | 1.47% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $293 | $0 | $293 | 1.16% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M. D. AGOSTINO | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $212 | $0 | $212 | 0.84% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $211 | $0 | $211 | 0.84% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PLACE FORDS, NJ 08863 | AFLAC | $202 | $0 | $202 | 0.80% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | AFLAC | $556 | $0 | $556 | 2.48% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AFLAC | $481 | $0 | $481 | 2.14% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 30 SOUTH 15TH STREET, SUITE 1 PHILADELPHIA, PA 19102 | AFLAC | $353 | $0 | $353 | 1.57% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 3303 LIBERTY LANE WALL TOWNSHIP, NJ 07719 | AFLAC | $317 | $0 | $317 | 1.41% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $250 | $0 | $250 | 1.11% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $222 | $0 | $222 | 0.99% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $158 | $0 | $158 | 0.70% |
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 | 856 | 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) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 305 | $45K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 495 | $160K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 495 | $160K |
| Other(5 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 856 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.