| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | $0 | $94K | 12.10% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $5K | $20K | 8.90% |
| KITTE L ALLEN3 Filed as: KITTE L. ALLEN | 4401 RIVERWALK DRIVE NORTH CHARLESTON, SC 29405 | AFLAC | $6K | $0 | $6K | 8.93% |
| KITTE L ALLEN3 Filed as: KITTE L. ALLEN | 1518 HERON RIDGE BOULEVARD GREENWOOD, IN 46143 | AFLAC | $4K | $105 | $4K | 6.54% |
| MELANIE CUNY3 | 7148 NORTH CHELMSFORD DRIVE MCCORDSVILLE, IN 46055 | AFLAC | $2K | $24 | $2K | 3.11% |
| RICK MCPHERSON3 | 6352 MARBURN DRIVE INDIANAPOLIS, IN 46227 | AFLAC | $2K | $24 | $2K | 2.54% |
| ASHLEY LYNN SHAW3 | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $423 | $0 | $423 | 0.68% |
| MJ INSURANCE3 Filed as: JON J. SCHAEFER AND VARIOUS AGENTS | 7352 WEST BEYERS COURT NEW PALESTINE, IN 46163 | AFLAC | $382 | $0 | $382 | 0.62% |
| KRISTIN SWISHER-MCFADDEN3 | 4975 LACROSS ROAD, SUITE 201 NORTH CHARLESTON, SC 29406 | AFLAC | $259 | $0 | $259 | 0.42% |
| CANDACE Y HILDEBRAN3 Filed as: CANDACE HILDEBRAN | 1036 HAZELWOOD DRIVE GREENWOOD, IN 46143 | AFLAC | $227 | $0 | $227 | 0.37% |
| KATTE L HANNER3 Filed as: KATTE L. ALLEN | 1518 HERON RIDGE BOULEVARD GREENWOOD, IN 46143 | AFLAC | $2K | $0 | $2K | 5.50% |
| KITTE L ALLEN3 Filed as: KITTE L. ALLEN | 4401 RIVERWALK DRIVE NORTH CHARLESTON, SC 29405 | AFLAC | $1K | $0 | $1K | 4.59% |
| MJ INSURANCE3 Filed as: ASHLEY SHAW AND VARIOUS AGENTS | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $588 | $0 | $588 | 1.87% |
| MELANIE CUNY3 | 7148 NORTH CHELMSFORD DRIVE MCCORDSVILLE, IN 46055 | AFLAC | $495 | $0 | $495 | 1.57% |
| RICK MCPHERSON3 | 6352 MARBURN DRIVE INDIANAPOLIS, IN 46227 | AFLAC | $356 | $0 | $356 | 1.13% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $292 | $0 | $292 | 0.93% |
| KRISTIN SWISHER-MCFADDEN3 | 4975 LACROSS ROAD, SUITE 201 NORTH CHARLESTON, SC 46143 | AFLAC | $239 | $0 | $239 | 0.76% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 5.56% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $513 | $0 | $513 | 10.00% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $150 | $0 | $150 | 15.00% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $778K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $28K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 351 | $226K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 351 | $226K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 351 | $226K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 351 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.